No - try harder. The facts are that Ripple is a distributed payment network. With that established, what, specifically, about it is centralized in your opinion?
Ah, I got where ur logic failed.
You do, do you? That's cool. Let's see what you "got", shall we?
U think that distributed == decentralized. Think again.
Oops... I already see a small problem here and I'm not referring to the silly use of the letter "u" as a substitute for the pronoun "you". No, the problem is that I never made the claim that "distributed == decentralized", nor do I believe that distributed implies decentralized. Such a belief would just be completely silly.
So with that established, I will reiterate: I fail to see what's "centralized" about Ripple. Can you please tell me what you mean by "centralized" and what,
specifically, is centralized about Ripple in your opinion?
Inquiring minds want to know.