The ripple coin itself is very useful in the banking sector. However, I am a little embarrassed by its centralization. I do not know exactly how to treat this fact. It is necessary to observe for a while, before making a final conclusion. It is now growing very well in price, but it seems to me that this is short-lived.
You should check some previous links. Ripple is working towards decentralization
At the end of 2018 it should be done
This would be accurate, or at least very close. There is an update on the developer's blog with where they were, where they are and where they are going. I bought in at $1.62 and planning to buy more and HODL for an indefinite period of time.
At first I thought XRP is a trash because of it's centralized system... But XRP showed me a good increasing in price, which made me to invest some of my money into it...
I'm not sure what makes XRP grows very fast, but I hope it grows faster than ever ~