That's right enolife. Ripple is not decentralized. It is not mined, but the company has full control over it and they can release up to 1 billion coins per month. Ripple is getting all the attention just because companies like Santander (SANPRA), Bank of America (BAC) and UBS (UBS) are using it.
Looks like gov and huge organizations are getting closer in controlling the crypto market.