Of all the major 'top ten' coins, the one i'm most skeptical about gaining in value is Ripple. While I actually like the fact it is working with estabished banks and governments, its valuation of almost $9 billion makes me question how much upward potential it has. There just doesn't seem to be as much excitement around it as with Ethereum or Bitcoin. Why so high a valuation? Is it being used in the real world on a daily basis?