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.
lol are you serious 97%
BTC are held by only 4% of addresses this is what a see like manipulated coin, all the crypto is manipulated, you are blind if you not see that...