So, I have somewhat different choice from all of you present here my vote goes to the already established ripple. If we see and consider all the factors then most probably govts. are coming up with certain legalizations and scrutiny over bitcoin. XRP has the network and chain to tackle these legalization. It might be bit centralized but provides with complete characteristics of any currency may it be digital. Its too undervalued at just around $0.2 or something around it and news is that many big banks are supporting it and are going to bring their main chain transactions over it. So it will surely boost up its price a lot. So my vote to ripple
The price for NEO is quite high right now but it is definitely one of the most undervalued coins. In the next few years if NEO is successful, I think NEO will surpass ETH as ethereum network right now is clogged by some kitties.