I believe cryptocurrencies are here to stay, especially since PayPal and Square are allowing their customers to purchase Bitcoin through their platforms.XRP has real- world utility in the form of payments, allowing cross-border payments in as little as 3-5 seconds.I believe the banks will be next in crypto adoption out of necessity.Crypto is certainly a gamble but is in its infancy, and XRP could replicate what BTC did as far as price appreciation goes.