I'm by no means a crypto expert but I would say don't get in too heavy with Ripple. The Ripple tokens are completely seperate and apart from the technology or transfers that banks will be doing, your not buying the same thing banks will use.

While it is somewhat promising they have some decent sized banks working with them, many people say the amount of money going through the banks is way more than Ripple could handle. I could see Ripple being kind of like a Chase Pay Type function between banks which don't get me wrong would be huge in itself but I don't see it overtaking the current SWIFT/FED wire system.