Our team, @EOS9CAT came with a very short explanation and hope it would be helpful for everyone here.
Distributed means not all the processing of the transactions are done in the same place. This does not mean that those distributed processors aren't under the control of a single entity. (Think of gas stations, there are Shell stations all over yet all are Shell)
Decentralized means that not one single entity has control over all the processing. By nature, this implies that it is distributed among various parties.
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RE: XRP Decentralization