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Completely agreed. Most of the Ripple investors probably don't know it's centralized...

I've been saying this for a while now. It's great that people are profiting from the coin, but I personally don't understand it's current market value. It's a centralized token, there's an unlimited amount of them, and apparently, banks don't even use the tokens? Not sure about the last one but that's what I've heard. I do believe it's going to come crashing done eventually.