People always seem to doubt crypto before a rally. I've seen enough proof of whales taking advantage of the forgetful population. When the prices drop enough, the price increases dramatically again in their favor. Bastards honestly.. But to answer your question, ripple as well as XRM is a solid investment. I can see the aforementioned alongside other popular cryptos increasing in price over the next 5 years. After that we get into quantum computers.. and That could change the reliability of crypto.