More than a battle of market cap, everyone should invest in coin they understand and backed with a real use case.
While Ripple (R3) has a technology attracting financial institutions, XRP (the coin) is not linked to its performance or usage. It used to be advertised as the fee, but one should understand that there is no point having volatility on a fee for Finance + the blockchain that may be used by the multinationals will probably be different and private!
I shared more of my thoughts in a Steem post at the following link:
https://steemit.com/ripple/@pada-1/my-thought-about-ripple-xrp