IMHO Ripple is not cryptocurrency. It's great tech for banks to reduce costs, but it is not decentralized, or a form of hard money. It can be created at will with a keystroke, therefore it cannot be trust-less or serve as a store of value.
RE: My Top 5 Altcoin Picks of 2018 (Technical Analysis + Video)
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My Top 5 Altcoin Picks of 2018 (Technical Analysis + Video)
I agree that XRP is more pushed towards the centralized side of things.
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