Personally I think that Ripple has a great potential due to:

• Ripple has turned the tables on financial activism by directly targeting banks and helping them to instantly and cheaply affect worldwide transfer of money.
• They have effectively force-fed an incentive that has slowly turned pro-establishment financial institutions to embrace blockchain technology by showing them a better way of doing what they do. Buying and holding XRP is an investment in and of itself in the long run since its traffic, (and hence demand) has been growing.
• Ripple confirms transactions in under 4 seconds, and it handles more than 10,000 transactions per second.