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.
I don't think cryptocurrencies are always need to be decentralized but we know that ripple is centralized, it is not like bitcoin, doge or digibyte so better to invest knowing it is centralized.