Interesting! I personally think it is all based on pure speculation and will go down slowly. But that is only my opinion. Noone can really tell. I always try to invest into something I believe will have long-term success due to its technological features. Ripple seems quite exchangable and banks may build there own system.
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I figured banks would make their own blockchain distros too, but I bought XRP anyway. I still think they will, but until then ripple should grow.