They are speculating too. Its like distributing XRP to the real holders as they try to figure those users who wants to buy huge amounts will be the one who are going to hold XRP for longer terms. I dumped mine when its price was $0.28/XRP and tried to buy back at $0.20 and got thousands of it. SO i once again dumped at $0.25 and try buy order at $0.18 and got more than what I had.
I am not sure. It could be $0.15. But I'm almost sure the price will rocket just before BTC chain will be split in half and that's when you want to hold tight your XRP because its going to surprise how much its value will be.