Ripple is centralized so be careful there are also zillions of them. I think the big banks(money) are playing with it right now to use among each other to move big money without the crazy price fluctuation the other crypto's would do. The amounts in ripple are huge so when they move them out the price should revert to lower ones. When big money or banks are in ripple though it provides an excellent way to trade for other crypto's fast and most likely stealthy. So we may see some big up moves in other coins when and if they move it. I see it as real good news. Here is a post I wrote on crypto for newbies: https://steemit.com/money/@greenman/crypto-trust-email-leaks-voter-fraud-can-computational-trust-fix-yes