Both are shit. LOL

Do you any thought that any of this will help the people. No there is no change for it. If you really want the empowerment of money, finance and etc. Bitcoin and other decentralized cryptocurrecies are the only way to make that true. Then banks will not end the ripple.
They encountered this coin into the market to shake the market with the centralized crypto and they done it too. If you are investing ripple. Please do not do it anymore and keep your fund safe on bitcoins.