If you're a Ripple FIEND like me you probably watch the news cycle, price, and these forums constantly. I commend every rational mind that is looking long term, as the short term for the ENTIRE crypto market is just about as predictable as throwing a dart blind folded from 100 feet away (and there are still some who believe they can do it). That being said, there is one critical aspect of building a business that Ripple is doing right - their slow but sure adoption of XRP by money transfer companies will pay dividends^10000000 down the road.
Before this morning we really only had Cualix and Moneygram with promises to use XRP from the Korean / Japanese corridor volunteers should their pilots go well. Right now there are probably many other unannounced companies testing out XRP through XRapid or at least looking into it.
The tipping point I am most focused with has to do with adoption. Every business with an innovative product will face FUD at the hands of people who cry out "BUT WHO IS USING IT RIGHT NOW?" That is the last argument that these guys who back coins without any real business behind them really have. Companies using the rest of the Ripple product suite are much more vast than Xrapid, so it's reasonable to assume they're enjoying the various efficiencies the tech provides. Very soon (less than 6 months) I believe we will reach that tipping point, where one large FI will see the advantages over its competition and choose to move first. Then the rest of the competition will react.
Stick with what you believe in at the end of the day - I believe efficiency wins out in business, especially in the financial world.