Ripple good or not, my opinion

In order to clarify my opinion about this coin, i'll start with some mistakes/confusion people make about this coin.

XRP is not Ripple

When people hear Ripple they instantly think of their coin XRP. This makes sense since other communities and coins are one and the same. When you buy ETH you are betting on Ethereum and when you buy BTC you’re betting on Bitcoin. Why would Ripple be any different?

Well, this is where things become interesting. To understand the differences between XRP and Ripple, first we need to examine Ripple the company.

Ripple was founded in 2012 as Opencoin, renamed to Ripple in 2015, and is currently based in San Francisco, California. They have more than 150 employees, a nice office, and they sell banking software that uses blockchain.

What does Ripple do?
They have 3 products — xCurrent, xRapid, and xVia.

xCurrent is their flagship product. It gives banks the ability to efficiently move money across borders. It uses RippleNet, the Ripple blockchain, but does NOT use XRP. Banks like this software because it allows them to save money and time when sending payments, without introducing much risk or changes to their workflow.

xRapid helps banks improve liquidity when trading in emerging markets. It is the only Ripple product that does use XRP. Banks like it because it helps them free up mountains of money they’re stuck sitting on, but dislike it because it introduces unknowns — such as the volatility of XRP.

xVia is still in development and scheduled to come out in early 2018. It’s similar to xCurrent, but allows entities besides banks (such as corporations and payment providers) to send money through banks. xVia also does NOT use XRP.

Ripple its not decentralized
When people hear Bitcoin, they think digital money. As in, you can send money to anyone in the world without limitations.
XRP might become this in the future, but right now XRP is stuck in banking. And Ripple has made no mention of changing this anytime soon.
Ripple controls RippleNet and they own a whopping 62% of the total XRP coins in existence. This has understandably worried XRP investors and Ripple’s response was to lock up 55 billion coins in escrow.
As with any centralized system, investors now have to trust Ripple to keep their word.
And they most likely will. Given their strategy is to release 1 billion each month for the next 55 months, they stand to gain a lot of money by selling these 55 billion XRP tokens at the current market price.
But the risks of being centralized extend beyond simply whether or not you trust Ripple to keep your best interests in mind and play fairly.
XRP adoption ≠ price increase
Assume everything goes according to plan. Ripple works with 100x more banks. The banks love using blockchain and xCurrent, then decide to take a chance on XRP through xRapid. They love xRapid and feel confident enough in it to process all of their transactions through it — even ones in the millions of dollars. SWIFT drops the ball hard and completely fails to innovate, losing all of their customers and shutting down.
Now, in my opinion, for me Ripple its not a good invest right now, especially its not decentralized, which as a crypto trader its not in concordance with what I like about this crypto world.
I wanna read what you think and your reviews about my post.
I hope you like it!