You cannot tell that. There are some people telling that XRP is centralized. And also I am not a fan of XRP. But I just love XRP because it is very nice marketcap, also xrp has quite good volume and still undervalued now since the price of XRP dropped by around 1$ this week.
Oh and yeah, happy to have bought at the dip. I know it went even below a dollar but I'm very happy to have taken it at just over 1.15. Centralized yes, but have people already forgotten about how centralized ETH was and still is? And look at it grow. Perhaps there is something to be said about corporate greed and centralized leadership. I may not hold Ripple for years, but I suspect even a year can see reasonable gains. And by reasonable I definitely don't mean even more than double! Still a realist here.
Seems banks winning the war, it is no doubt that they control all fiat money. After they get enough users to use their tokens, they are gonna put taxation fees for trade, then you realize what you had and what you hold in that near future. All the centralized tokens have nothing to do with blockchain inception.
. If they collapse and people lose money on their network, then including their investors like moneygraam should be sent to the court. When they become more transparent on how they secure network and we see any potential vulnerabilities on their network, i cannot trust them. 
