Whats the 2018 XRP value prediction

When I got into XRP the price was at $0.22 each and it's shown me a very very nice ROI even after the rapid decline in all crypto values. The technology and idea behind ripple, IMO, is exactly what big banking needs in these current and future times. Because of the basically centralization of the crypto XRP it makes what we all look at, the coins market cap, an irrelevant thing to look at. Actually, the high market cap is exactly whats needed for ripple to efficiently make all the massive transactions of big financial institutions. Which in essence actually makes XRP an extremely high valued coin especially when it's adopted into more big institutions and they dump all there money into ripple. Any smart big financial institutions should prefer, for example, to take $100mil dollars exchange it into a smaller amount of crypto like 1 or 10 XRP per $100 million dollars and then on the receiving end (within a 4 second confirmation time) take those 1-10 XRP and convert it into whatever fiat needed. It's faster, more reliable, fully traceable and the way the future is headed. As opposed to transferring that same $100 milling dollars through a third party that will take hours or days to confirm on the other end and also charged a fee for the transaction, especially if it's exchanged into a different fiat. So with all that being said I believe that XRP in the future isnt able to even begin to predict the value of each XRP because it could go either direction and basically could be worth almost an infinite number in the future. I will definitely keep an eye on this and hodl!

Let's hear your opinions...