It's pretty obvious that ripple is backed by a lot of banks so the purpose of crypto is to be decentralized as possible. they could easily manipulate the market if it's really centralized, so it's up to you and your knowledge if you could really trust Ripple.
The fact is that in the near future we will not be able to see the fully decentralized financial system of the world, especially with the help of crypto currency. many developers of projects have seen that this is the secret of success, if you combine the crypto currency with the banking system. It is ripple today that will help to realize this idea.On the one hand, Ripple is developing rapidly, concluding useful partnerships. At the same time, the XRP token grows quite quickly. But I do not understand at all what is the use of the token for the platform?
As far as I understand, the system works without their token! Hence the question arises, why should I buy their token !? But contrary to any logic, the price of the token grows and why not ride on this rocket? 