I guess that the question should be what is a cryptocurrency, so here we go, what makes something a crypto or not a crypto?
Cryptocurrencies are meant to be decentralized which XRP doesnt qualify,xrp is centralized coin by these bankers so if i were you i wont invest in XRP to protect our community and to be safe from a manipulated coin.
This is true,if XRP will dominate our community the bankers will win again,we are using cryptocurrencies because we dont want the banking system and the fiat.