XRP is THE crypto currency having a real world business case which is actively being implemented world wide -> becoming a true global crypto used for international payments.
Some people argue they don't like it because it is the banker's coin of choice. They miss the point that XRP accelerates the adoption of blockchain technology among banks allowing you and me to finally hold our money and tokenized securities in our own wallets.
And yes the banks need Ripple the software plus XRP the coin to achieve true savings in global crossboarder payments.
Buying on dips.