Know nothing about PoS or PoI (or PoB), sorry.

My understanding of Ripple is that it is two things:

* The Ripple Network is a system for interbank settlements that uses some cryptocoin technology, but is centrally managed by RippleLabs and/or a bank consortium;

* The Ripple Coin (XRP) is a cryptocurrency, also managed by RippleLabs.  The coin could be used by the Ripple Network as an intermediate step when converting between two minor currencies, but the same role could be performed by a major currency such as UDS or EUR.  Success of the Network does not imply success of the coin, and vice-versa.

Is this understanding correct?