Never heard of coins.ph, is it open to users from other countries? heard that XRP is centralized and IMHO I don't like that, that's why i stay away from it
Well, I really don't know but it is only for us as you need to do KYC verification in order for you to get higher cash in/out limit and the good thing about it is that there are variety of options to encash and you may also pay bills.
Btw, have you checked XRP today? Lol it pumped a lot but we have our own favorite coin/token and it is not on my list.