I still don't understand and agree how Ripple is considered crypto. Please try to tell me otherwise
I don't understand why wouldn't it be?
Is it built on the blockchain? Yes. Is it listed on any exchange? Yes. Can XRP be owned by anyone? Yes.
Why wouldn't it be a crypto currency? It's definitely not a fiat.
Some people tend to believe that cryptocurrencies = (1) Mined coins, (2) everyone has a fair chance to obtain it
(though in the end the rich people build farms and obtain it faster), (3) anonymity.
Personally I believe that anything built on a blockchain and it's used for transactions is a cryptocurrency.