I think the fact that they are a company and have offices at USA proves a point about why it's dangerous to invest into them. Bitcoin has nobody at the top, nobody pulls the string, nobody actually does anything about it, we are all the owners together, compared that to XRP which is run by a company that is at USA, that shows how centralized it is.
I still can't believe they come thus far really, I think it was always a coin that I assumed would go towards crashing in the near future, it wasn't suppose to last this long, I think 5 years ago during 2018 it was a period where I said it will go down like crazy and after its ATH it crashed so hard, and yet it didn't go away, it didn't recover neither, but it didn't go away either which is a trouble.
At the start XRP was known BTC competitor and investors believed that xrp will be rank no 1 coin in long term because at the start XRP make many big partnerships with bank and other payment system and they assure their investors that XRP will he used for payment mean but all their dreams shattered with SEC case. Now Its proved that XRP is centralized project and it could be affected anytime with US rule and regulations. XRP has now no competition with btc, indeed i will prefer matic, Litecoin over XRP.