$XRP is accused of lack of decentralization and non-compliance with the basic criteria of cryptocurrency, but this is precisely the advantage. Libertarian stories about the independence of crypto are a very beautiful fairy tale for a handful of enthusiasts. But for real institutional money from banks, corporations, etc. to enter the project, it must be bent and ready for regulation, this is the reality. Ripple is ready to "play by the rules", and that is why I believe in this coin. Really big money has not even started to come here yet, everything is just beginning.