Besides, could you explain to a fool how a centralized coin is supposed to be something new ?
Ripple is not centralized. You can see this for yourself in the source code. Start with the
PeerFinder code's Readme and go from there.
If you aren't a programmer, just peruse the
PeerFinder Readme and skip the source. Just that little bit of exposure to Ripple's P2P plumbing should convince an open minded person that the system is not centralized.