Can someone explain this XRP issue to me?

Hello all!

I keep reading exciting stuff about XRP, claiming it will go above $10 and beyond. Also people shitting all over it, and I feel like being in the latter, but I 'm truly clueless.
I have read that Ripple holds much of it, that they sent to an unknown wallet 200 million tokens, rather weird stuff. It kind of creeps me out.
I 've also read that it's gonna be a bankers coin, that banks and institutions will be acquiring it through Ripple at a discount I suppose. So where do hodlers come in? How is it helpful to hold this token?