Ripple is essentially this: A central company that has issued some "non legally binding pseudo-shares". If you really thing a central company this young like ripple is worth 10b+, you should really check reality.
See ---> metherium. Young and overvalued and not reliable (marketcap 23bln) lol . And with two chains. And not even scalable and immutable
And for your grammar -1
Sit down mr expert and take a look in the mirror