I'm holding long on XRP because I see the real life applications and immediate potential. While most other "true" cryptocurrencies are running on hype and vague applications that will take longer to apply (except for perhaps ETH), XRP has been making tangible progress to make itself relevant right now.

I believe that XRP is still at its price now because they don't focus as much on building hype as the other coins. However when their xRapid partners start using XRP for payments, the price will steadily go up.

XRP will definitely go up and break their previous $3 record. In terms of when, it will be after the partners open up their xRapid transaction services. Hopefully in the next 6 months or so.