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That is one of the downsides for sure.

Personally, I would stay away from ripple. It's just a flavor of the month, because of the sudden rise. On top of that is a centralized coin, which doesn't make a difference. It's like any other fiat, just a different name for transactions. The point of decentralized project/transactions is to remove the middleman, which ripple is not doing.

There are much better projects, even undervalued that I invested or would invest before thinking about ripple. I won't mention here because people will be like stop shilling this coins, but if you are interested I have the same name on steem.chat.