Thanks for the review Noam! people should be aware of the ripple's contact to banks and large companies and it implications on uncentralazation.
I would like to point to a critical point that has to be noticed:
There is a rumor that banks use the technology but not the XRP token itself, but - accordong to multiple sources:
The banks and companies that are "using ripple" are actually using ripple's blockchain technology, AND the XRP token so you do can consider it when you think about an investment in the XRP TOKEN and it might really encourage you to do so.