Although the ripple isn't a decentralized cryptocurrency, it has found wide application in the banking system. I'm not talking about the speed of transactions, etc. Therefore, I see only the growth of popularity Ripple
Ripple is centralized, xrp is decentralized.
Ripple -> company
xrp -> cryptocurrency (I would rather call it digital asset)
Ripple just owns 50% of the supply. Just take a look at almost every ICO the company holds 30-90% of the supply.