Yeah, it's centralized, heavily, fully controlled by just one company behind it called Ripple, hence why it is not really a good investment. We are not going to see it do all that great, but we will see it do fine. So if you can do fine, then you will get a much better return for sure. Things aren't that bad for them at the moment, either because of whales, or because manipulation, or the team behind it, or maybe retail investors like it at the moment.
Ripple had a great start, but went through dark days with the SEC, I think, seeing them alive in the market today, shows it's a strong project, many people thoughts it'll be dead by now. But the coin is quite active and growing, not that it'll go too far than it has done, yet holding Xrp isn't a bad idea. Although the speculation of $100, at the moment, is far beyond being possible.