This. But you forgot a very important detail. What is driving xrp's price to go up? The expectations that banks will use it to pay fees on the ripple net. But why would a bank want to own a "filthy cryptocurrency" which is controlled by ripple, instead of the US dollars? Look closely at all the agreements between FinCen companies and ripple. They agree to use ripple's TECHNOLOGY, not its currency. There is no promise that if ripple net is adopted, xrp will have any value at all. To me, there is no such thing as investing in ripple (xrp really) , because there is nothing the public can invest in. Not the technology, nor the company. The purpose of xrp in my view is to fund ripple the company with billions of dollars, as they own the majority of xrp supply on an escrow. The price increase is not only illogical, it is completely fueled by misinformation of the market and people liking all the good news about Ripple but don't know that xrp, which they are buying to get rich, is completely different.