So it doesn't have any coin or token attached to it like Ripple, how does that work? From what I read it's centralized, so I don't have that much interest, not that it's a bad word or anything.
It it's centralized IBM or Microsoft could stop supporting it if it became uneconomical. They will only keep up development if they are making money from it. If it's like vista then I don't trust it. Just because it's from microsoft doesn't mean it's any good, I'd rather trust in Bitcoin.