There is a lot of accusations that ripple is more of centralized crypto which will only benefit the government and banks not for individual investors and also it serves the agenda of bank to penetrate the crypto currency market ? Is it true ? Because as far as I think ripple.will benefit everyone and make transfer of funds more easier and there was an recently article where there are speculation that ripple.will be more decentralized than bitcoin
I just don't know how fact is that but I know that Ripple is more decentralized than bitcoin. However, it is too scary if it was held by the government. It can be the reason when it will dip down by next year.
I recently read news, 13hours ago Ripple overtaken Ethereum as the largest market cap in altcoin.