Ripple really shouldn't be considered cryptocurrency.
Why even put it in the above list of 10 top coins, when there is no reason to consider it a cryptocurrency if it doesn't need a blockchain.
You could just make the whole system more efficient and make it a simple centralized payment processor.
So many projects nowadays forcefully put their data into blockchains when they don't need them.
Just makes the whole system slower for no reason.
Since they are already centralized, one of these days they will come up with an amazing new unique idea to replace a blockchain with a simple ledger for efficiency purposes. They will become just a normal bank and reach their full potential.