Review on XRP by himanshu sharma

centralization, 0 conversation around the tech or future adoption of decentralization right from the management, most announcements openly or indirectly meant to raise the price. Banks have very little incentive to use Ripple. For one, why will they use a currency that is also held by people, that automatically kills their business because now they can store and send money through Ripple, no reason for them to go to banks. 2, banks will never use a currency held by a CEO with high volatility and 70% in escrow. No public, declared details of any of Ripple operation has been released, yet people have tracked whale addresses. Lot of manipulation, which is a given provided an uncomfortably high percentage of centrally held coins. Banks will use any other fast currency with scalability that's truly decentralized, or can make one of their own. A lot of banks already use settlement tokens which are very vastly scalable and fast, so there's no reason. Ripple's whole social media schedule is just announcements, perfectly placed throughout the quarter with the assumption of a price rise on their basis, coupled with consistent talk on social media round liquidity and why xrp will be used and why FUd should be cleared up. Plus let's not forget that banking will still remain as inefficient with the same problems and same exorbitant transfer fees. Ripple has no aspirations that align with the rest of the crypto community. It's a TV company trying to revolutionize the radio industry. My question is...