Those who hate Ripple because it's centralised, what do you think about Stellar? It looks to me to work the same way as Ripple but it's not owned by banks. Is it any better or is it the same in the end?
did you know the fact that XRP(Ripple) founder and STR founder are same person ?
(basically people who hates XRP will also hates STR,because both of them are centralized)
if you do not know,read it here ;
https://en.wikipedia.org/wiki/Jed_McCalebso comparing it to its brother won't change the fact that both of them are centralized.
i think you need to do something called 'research' before talking mate,it's totally ridiculous