My husband is doing the research on a mass number of coins and has the theory that being centralized really isn't a bad thing, especially if it's going to be in great demand, which in time as ripple gets used will be. From what we understand the coins will disappear as they get used, making each one that much more valuable, at least that's what we hope, but only time will tell. So far at it's high point, it turned our $20 into $1,200 and we plan on keeping it for the long run since it was one of the first we purchased and it has the potential to really take off