I have previously made numerous posts on this subject. The major vulnerability with XRP is that it is one of the most centralized cryptocurrencies currently in circulation. Somewhere between 80% and 90% of all the XRP in existence is owned by a handful of promoters. And that is the risk factor while investing in XRP. There is always a chance that some of these promoters may dump their coins, which can crash the prices of this crypto.
Exactly. XRP is too centralized, greatly defeating the purpose of crypto and Blockchain technology. It's more of a centralized database than a real Blockchain. The "cryptocurrency" is overhyped in part because of the bank partnerships with the Ripple company. At the end of the day, XRP is just another banking system where assets can be frozen and accounts deleted at will. Most recently, the XRP dev team has introduced the ability for users to delete their XRP accounts. This shows us how centralized the XRP ledger is, relative to other cryptocurrencies on the market. No one serious about crypto and Blockchain technology will invest into XRP because of this reason. Crypto is all about decentralization, and if you take that away, you get nothing more but a centralized database with a single point of failure.
With Ripple controlling most of the XRP token's supply, it's hard to believe it'll get past $1 anytime soon. There is a hard cap of billions of XRP that will ever be created, which greatly debases the token itself. There are far better coins out there (like Stellar) which put decentralization first above anything else. The Stellar blockchain ledger, is much more decentralized than Ripple's XRP, while having less inflation over time. I'm sure that people will be wise enough to choose decentralized cryptocurrencies than centralized ones like XRP, in order to preserve financial sovereignity.
As with anything, no one can tell for sure what will happen with an specific cryptocurrency project. The least we could do is to stay focused on the news, and make a decision based on them. XRP could die soon, or remain on the scene if Ripple continues to support it. But it won't reach far, because there are other bigger and better cryptocurrencies out there with the most adoption in the mainstream world. With over 98% of XRP's transactions classified as spam (based on a research found on the web), it looks likely that the centralized ledger will die sometime in the future. Just my opinion