The potential is there for the company Ripple. But we cannot be very certain about their XRP. The are essentially two different things. Companies that do business with Ripple aren't even using XRP from the market.
Rippl is a great company. Their XRP is another thing. There's a reason you hardly hear them talk about it. I've written several posts about this: https://steemit.com/blockchain/@valderrama/with-all-these-deals-and-real-life-use-cases-why-doesn-t-ripple-s-xrp-price-rise
You sitting on 1k, am sitting on 10k plus , like some people think is a stable coin but i believe the company wants profit, even financial institutions like bank, every business is all about profit, short or long term. Holding 60% of the total ripple coin by the company i feel is a way to avoid scarcity.