In a way to appeal for a quality post hoping to get a merit score I have been seeing a lot of threads popping out without the sense of discussion at all.

Including this one, can I ask OP do you really need to do this? Anyone can do this by researching there is no argument in your statement at all.

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Anyway, no matter how you said ripple is we can't deny the fact that it centralized and is opposing the reason why cryptocurrency is created.