Ripple is very centralized and that's part of its infrastructure. It is a crypto made to service banks so it doesn't really make much sense to call it decentralized. It was made for quick settlement and doesn't add much value in the sense of a trustess system. In fact, I think that ripple needs even more trust than using a simple bank because it requires additional trust to the foundation behind it for its integrity...
They have involved in wide range of bank and it subsidiaries mate. For investors it may give the short term profit. With in some years if ripple damaged CEO may comes sell all the coins he has holded now. As news leaked about XRP it has been hodled by CEO which is 80 percent and more.
I want ripple should go away from the top 100 list of crypto currency. Actually I feel they are threat for other crypto currencies next to ethereum mate.