Ripple is a prime example of a bankster led crypto.
However, I'm not saying that you shouldn't buy at this moment in time (we appear to be in a strong bull market). However, there is zero chance that all the current 700 cryptos will still exist in a years time.
Another thing to look out for is cryptos that aren't mineable, this suggests that cryptos can be printed 'out of thin air'!
Thank you for reply and advice, still a learning curve...but doing my research and hopefully make a little.
Thanks and agreed re the learning curve! Still so much I don't know / understand!!