Ripple (XRP)

Cryptocurrency? A payment solutions company?

If you've heard of Bitcoin (BTC) you most likely have heard of Ripple. Currently the third largest 'cryptocurrency' by market capitalization.
I'm starting this thread to start a discussion on the current state of crypto's. What is your opinion? Are you an investor? Is this going to
change the world of finance as we know it? Revolution? Bigger than the dot-com bubble? A bubble in itself? I want to hear your opinions.

Me, personally? I am a user & investor in cryptocurrencies, but I do not diversify. I am actually about 90% held in Ripple. Why?
I have been involved with Bitcoin since 2011. I was using it as a medium of exchange over the internet back then, and still do so
but not with Bitcoin. But as Bitcoin has progressed it has found itself best used and described as a "store of value" and should not be used
as a supplement currency, nor will it ever be the next currency. I have searched far and wide for real use-case crypto and have found
nothing that compares to Ripple. It is a corporation. It has a model. It's not just "another" crypto among thousands that will fade into
the black after a couple years. Ripple has a purpose, it has a real use. It is actually revolutionary! I won't go into detail, rather recommend
you do your own research and come to your own conclusions, but I believe there is nothing that can compete with Ripple. Not even Swift
themselves. I own a home security corporation in the State of New Jersey and accept Ripple, Bitcoin and even Litecoin as payment for
our services. We offer a 10% discount if you purchase with crypto as well! It has brought a lot of attention to our company, and it has been
wonderful to be a part of the advance and acceptance of cryptocurrency.

So what are your thoughts?