It's pretty clear you do not understand Ripple then. Ripple is a bankers coin, it's trying to branch itself into the space of inter-bank lending (Bank A lends money to bank B using the Ripple network instead of SWIFT), which is NEVER, let me tell you again so you'll understand NEVER going to happen due to financial treaties in place for SWIFT.
Ripple is a scam coin at best, a very poor investment at worst. There are other cryptos that do Bitcoin better than Bitcoin (Litecoin for example), but Ripple is absolute garbage. Stay away from premined centralized coins.