some people say that XRP is a scam coin? Why have many big banks and financial organizations been using this xrp platform ?
XRP coin was born 2014 and through 3 years . it always continues to rise up stably every year and until XRP can hit 1.0$ so many investors will become millionaire next year.
Ripple does not embrace the "crypto ethics" as much as many people would wish.
Premine, devs hold half the coins, broken promises. They effectively re-centralized the decentralized concept.
There is the possibility of getting scammed by devs in these structures.