This is spot on, and what I was roughly going to mention. It is solving a real world problem, and if you treat this like stock, it is a sensible company to invest in.

We can talk about how ripple is not really a stock but that would be a whole other discussion hehe...

Their website specifically mentions not to speculate on it. That's because in the long run, the use cases only work if the coin is stable, not if it becomes as volatile as Bitcoin.