Ripple

Ripple is a real-time gross settlement system network by ripple and lies third in the list of top cryptocurrency to invest. The Ripple protocol was launched in 2012, by Chris Larsen and Jed McCaleb, founder of the OpenCoin company.

But unlike Bitcoin, which was born with the aim of completely bypassing banks and any kind of financial institution for any kind of transaction, Ripple is born with the precise purpose i.e. "working with banks to change the way they send money to the world" as stated on their website. It is a Centralised and pre-mined currency. Currently, Ripple is the second trading cryptocurrency after Bitcoin

Ripple is built upon an open source Internet protocol, consensus ledger and native currency called XRP. Currently, there is about 100 billion XRP in existence.

Some companies like UniCredit and Santander and even several major banks(such as Bank of America, Bank of England, and the Bank of Japan) have implemented Ripple into their systems.

Meanwhile, it has a market cap of $8,056,482,410 with a value around $1.423713 per unit. If you are ready to invest for long-term then Ripple coin can definitely yield very high return.

It has increased more than 4000% surpassing Bitcoin in overall annual growth at the end of 2017 but the price has dropped since then and valued around 1.5$.

Realistically if we banked upon ROI then Ripple coin is ranked first in the hierarchy of top cryptocurrency to invest besides bitcoin 2018