Ripple is a highly centralized project and we can't warn enough to avoid Ripple at any cost. We have so much better and more decentralized coins at hand, why invest in such a shady fraud project like Ripple is. Ripple can be easily manipulated and it is highly relying on Ripple's core developers which are by Brad Garlinghouse involved in marketing fraud and similar shady staretgies to push Ripple.