All I got to say is look out for Ripple they are proudly centralized and digging their roots deeper and deeper into banks and money transfer companies. I think we need Ripple to drive crypto currency give it the exposure it needs and make more people familiar and comfortable with it. Even NEO which is a huge infrastructure is incorporating centralization to propel itself further. This is not saying that there is no place for decentralization but crypto in the centralized world is a good thing.