no, it is not a Ponzi scheme, XRP is simply a centralized shitcoin with a huge supply and no future as an investment.

the only thing that XRP is good for is the short term pumps that it has once or twice a year sometimes. other than that, 99% of the year is a downtrend because as i said it is a shitcoin.

all the news you hear about such and such bank going in Ripple is about its technology not the token itself called XRP.