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Anon you're not too late. Buy XRP. Ripple and XRP are mentioned in World Economic Forum documents as a useable crypto. Ripple's CEO is a contributor to the WEF. Ripple is being sued by the SEC in a show trial that could reasonably settle anytime between now and November. XRP is the second crypto ever behind BTC and has a perfect ledger history with no fuck ups like there has been with other blockchains. Ripple is being sued by the US SEC in a show trial that's embarrassing the SEC and convincing evidence has been unearthed that shows the members of the SEC had a clear conflict of interest with the Ethereum Foundation, when in 2017 they cleared ether and bitcoin as not being securities. With bitcoin it makes sense. Ether had a presale, was given the safe harbor benefit while that regulatory clarity was denied for all other cryptos. Ripple's defense in this case has been flawless and their head defense lawyer is a former SEC chair. So that's how you know it's all a show. They all know each other and they're trying to tell us what the answer is before the great transition gets made. XRP has the tech and track record in the crypto space and Ripple has the best connections and team of people to spread XRP adoption. Ripple works with every central bank in the world and their roots run far and wide. It seems like they're utterly unstoppable. Owning patents to the tech is part of that.
A red flag with XRP is that the price can be affected by a Tether crash which the community believes can happen. If a black swan type even were to occur then the buy prices I would keep an eye for are .65, .50, and the absolute bottom of the barrel would be the .30 range but I don't see that happening. Know the risks before you buy.
Good luck anon, I definitely don't think you're late at all.