Be careful. The crypto-currency game isn't sometimes what its made out to be. Rumor has it that price is expected to be pumped to around $5, after which whales might trade their holdings for BTC. What that means, is that anybody swimming naked might just be left holding a bag of XRP, that corrects back to cents level, at that time. Ask yourself, which bank do you know that uses Ripple (Swift's competitor)?
Be scared when you see the greed.