You guys do know the cryptos have no value right? Banks wont have to use ripple to do transactions on ripple network they can use usd or euro ny time already stated that. So the crypto coin itself has no value but the eco system has value. You guys are buying coins that have no worth. Those coins were made so they could get money to start their businesses thats it. If they can't use usd and fiat on stellar and have to use the crypto they will just use ripple where they can just use fiat directly. Visa is already building another system that will compete with ripple. I think they are bad investments cause bankers and businesses want to use the eco system but do it without using crypto currencies. Governments can use factom eco system without buying factom crypto to use the network. So be careful to not go all in on stellar or ripple. Banks and businesses only want to use fiat they do not want to use crypto currencies. So the coins have no value only that eco system does. I think that is the main reason cryptos are going down it has nothing to do with korea, or some holiday. Its the fact people are realizing cryptos themselves has no investment value just the eco system does. They will find ways to by pass using cryptos either by using another network or the company finding a way to by pass the coin itself to get the banks business like ripple is doing.