Already with the fact that it is centralized, I would not consider it a crypto, for me, a crypto has to be a currency based on the blockchain and be decentralized and anonymous and I think ripple does not meet all those requirements, now if it is a good investment or not? that would be another discussion.
Ripple only controls 7% of the XRP Ledger and 27% of the UNL's and thats decreasing. They can only release 1% of total supply each month for sale of which those sales go towards developing the XRP ecosystem which they have done brilliantly thus far. The link below will cite irrefutable evidence against each of the claims you make. You should take some time and listen to David Schwartz the chief cryptographer and CTO at Ripple- a brilliant mind. Have a nice day and good luck!
https://fudbingo.com