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It's very hard to estimate how much the XRP will be at the end of 2018. All estimates on the internet say between 1$ and 2$. And IOTA is a good currency, but it's far behind XRP. XRP is in the testing phase and IOTA has just been listed this year, so it's a young coin. I would recommend 100$ XRP and 100$ IOTA. IOTA should hold for a longer period than XRP. Upvote please!

Ok. Thanks for your suggestion.

I am bullish on IOTA long-term. If the team behind it deliver on their promises, it will be an absolute killer coin to have in your portfolio.

Ripple concerns me a bit, because if banks don't adopt it soon, or indeed come up with something better, it will surely die?

As you said, it's about team efficiency. The team of about 200 people seems to me the best Crypto in the whole world. I trust the Ripple team. The fact that they have climbed up to this point proves it. At this point, I believe 80% of the technology will be adopted soon (within 6 months). Any collaboration or testing with banks takes a long time. In the banking world, implementing software requires a lot of time. If the team will not succeed, it will not be good for XRP. Thanks for the upvote.

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