Ripple is the biggest scam you can see in the crypto world. It should be dumped now or you will lose a lot of money. The coin has no value, the company is making money using the technology and selling proprietary technology to banks. It has nothing to do with Ripple coin you are buying in market.
And how do you know this?
just do a little bit of research and you would know it. Show me a single link which says that Banks are using Ripple coin for enabling transactions across borders. Ripple founders own most of the coins and they have become billionaires. They will surely dump it at some time to raise money. Or even if they don't, it is a scam in itself as they are not coming out in open and telling everyone what it means to own the coin while it is getting speculated on.