If you're optimistic about Ripple's payments technology and XRP's role in that, then a small investment is reasonable. Just keep in mind that XRP is extremely volatile. It may or may not reach $4 by December, but as long as you're a long-term investor, what really matters is where XRP ends up during the rest of the decade.

Multiple market experts have presented varying timelines for XRP to rally to a new all-time high around the $7 psychological mark. Notably, XRP has continued to trade within the $3 price range, currently changing hands at $3.