XRP is centralized, controlled, pre-mined, and insiders own most of them and are dumping billions of XRP's themselves; one insider that left has billions and is allowed to sell millions of his XRP's every week. Also, XRP is not needed by banks to use, except using them for a small transaction fee. 100 billion circulation doesn't help either. This is why most in the Crypto world avoid XRP coin. It sounds like you were suckered into buying XRP for .20 cents + on their hype and you are left as a losing bag-holder. You should have bought $1900 Bitcoin last week if you gamble in Cryptos and you would have won - big time! Good luck!