Xrp is not an investment whatsoever!

Excerpt from https://ripple.com/build/gateway-guide/
Private exchanges and liquidity providers may choose to hold additional XRP for trading. Ripple (the company) does not promote XRP as a speculative investment.

XRP is designed for bank to bank txns of currencies or whats known as issuances for asset transfers.

"Ripple Wants XRP to Be Bitcoin for Banks. If Only the Banks Wanted It. "
"The problem is that banks say they have no interest in using XRP. Current and former executives at seven global banks—some of whom have partnered with Ripple—say there was scant chance they would ever entrust their corporate clients’ payments to a cryptocurrency."

Buying xrp is like buying stamps; they allow one to send information along a service.

Issuing gateways do not need to accumulate or exchange XRP. They must only hold a small balance of XRP to send transactions through the network. The XRP equivalent of $10 USD should be enough for at least one year of transaction costs for a busy gateway

This should have been in your top 5 above xrp and bch
https://steemit.com/cryptocurrency/@captboatface/tronix-foundation

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