I think there is room for a centralised coin in the short to medium term. For the banking sector that is. But I think for anyone trying to set up a private blockchain to receive extra security well these will all fall by the wayside eventually. Even ripple to an extent could become obsolete. This in the painter capital 40trillion market though and we are a way off that mark
When you are lurking coins, you will be issued with x amount of coins, such as deposits,
You will pay interest as a gift
The number of coins is determined by the coin developer and given in the APR,
Annual Percentage Rate. There are coins out there in the market that are from 1% to 10,000%.
The reason why you're buying is because you're stalking,
You have your personal 24/7 and help blockchain network from the coin.