Personally, I believe not enough people truly understand Ripple or Xrp.

This is often seen just in their reference to it.

If you use the term "Ripple labs" you are not up to date (2015) on ripple or xrp.

If you refer to the currency as ripple you fall into the same boat.

I often find most people spreading things about ripple use one of these two misnomers which signifies they are either using old info or not well researched.

If they do not even know the difference between the company and the currency how can you trust anything else they say?

Personally, I do not see Xrp as centralized.

Can you explain to me why you believe it is so?

I believe Xrp and stellar both based on the same protocol basically are in a pretty good position to stabilize the industry.

Interestingly, If Xrp was adopted as a liquidity asset which the exchanges ran on a lot of these issues bitcoin is experiencing would go away.

It could settle these transactions in second and put the money in your wallet/bank/ another asset seconds later eliminating tether which is kinda questionable imo.

Even more interesting is you could trade it back mins later to send it back to your bank, btc, eth, dollars moments after that.

The liquidity, trade options, arbitrage opportunities this would create would be amazing.

Unfortunately, i do not believe it is given the credit it deserves.

I hate banks as much as anyone, but honestly, we just are not there yet.

I have no problem using any tech which may help facilitate our transition into the space we wish to be at the earliest possible point.

Personally, i think xrp is one of these technologies as it will bring more mass adoption to crypto due to liquidity.

The first question I am asked by noobs is can I even cash that out?

If I could show them me cashing out in 4 seconds and re-entering the market seconds later it would be a game changer.