Ripple has a good marketing team that is it. The whole point of cryptocurrencies is being your own bank. Ripple makes money on peoples fear of letting go of the banks. In my opinion Ripple should be a nasdaq company not a crypto. It has no wallet, no transfer systems in place, nothing tangible but its marketing plan. Stay away from ripple and alls its cadets, they market transfer systems that have been around for years. If its going to be centralised it will be regulated and regulation delays transfers.