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RE: The truth behind Ripple, and why I sold it all
Centralized. did you read about it external node validators. that for every two third party node it will remove its one node. banks and other institution will definitely setup their own nodes to have some control over it .
This article is 1 year old... check the latest news in https://beincrypto.com/ripple-news/ and maybe you will talk in another way bruh ;)