Centralize crypto is a currency tied to a database, not a blockchain.
No matter how you dressed it up, it is nothing more than a shared database. And that is not revolutionary, powerful, nor disruptive.
I never liked Ripple and I never knew why...it took me a while to pinpoint it...the fact it isnt decentralized means it is doomed to fail.
Agree... one step forward two steps back with that one.