Here is the kicker, ripple was a 100 billion XRP Premine.
So why is the rest of the 100 billion not listed?
https://en.wikipedia.org/wiki/Ripple_(payment_protocol)
There were 100 billion XRP created at Ripple's inception, with no more allowed to be created according to the protocol's rules
As I read on link form post in this thread most you write is right. They issued 100 millions XRP. And they slowly send it in circulation. till 2022 they plan to keep 50 million and 50 millions will be in circulations. Now when they send 300k in circulation they did not print them but give from their stock. They still have like 63 millions right now.
I hope I wrote i the way to be understood.
Ripple problem is centralisation, that is one thing that makes Bitcoin so great. Because of this reason i never looked in Ripple before and till yesterday had no ideas how coins were issued and how are distributed.