Ripple is centralized, XRP is very Decentralized.  Ripple only controls 7% of the XRP Ledger and only 27% of the UNLs and that's dropping.  If you look into the fundamentals of XRP and ignore the price (because its still coupled to dying BTC) than you'll see that its massively oversold and way undervalued.  Ripple has had an incredible year fostering the development of the XRP ecosystem while at the same time removing their control of the ecosystem.  The blog below just shows what's happened in Q4.  Incredible.  And XRP wasn't designed as a currency.  It's designed as a bridge asset allowing for instant movement of value globally with FIAT or other assets.  I'm buying and holding XRP for 5 years then will re-evaluate.  

https://xrpcommunity.blog/q4-2018-xrp-adoption-report-actions-speak-louder-than-words/