in the end ripple might be even a scam...
yes, a scam that is compliant with the SEC and approved by the federal reserve (i know, you're a crypto-anarchist who hates the feds)... all jokes aside, you're clueless
And that makes them legit? the federal reserve is the biggest scam of all. The terrible monetary policies set by the fed are what ultimately led to the creation of the solution that is Bitcoin. What the heck is even the point of all this if you want a centralized bank partnered asset?