Ripple known as the bankers coin.
Controlled by two people (bankers) who own 50% of the coin (pre mined by them and their friends ) no mining by the masses allowed , and their banker friends have some coin too.
Centralized and owned by the few for the few, no consensus, no control by the masses just bankers using the coin to fool the masses and make the tiny few bankers richer.
Want to run a node ? You have to ask their (bankers) permission!
Your funds you buy the coin with can be locked and frozen by them at anytime, read the whitepaper read the ripple website, shocking.
Bankers pumping the price saying they will use Ripple for xyz when the technology will not allow them to do xyz.
Ordinary people are going to lose a lot of money when this shitecoin goes down.
Like i said, it is not decentralised but it has use cases for large companies and large transfers which can't be denied. As well as that, it's underlying infrastructure is very impressive from a tech perspective, albeit not entirely decentralised. Coins with massive institutional and bank supports will do well due to the money in them, unfortunately.