The problem is your post is not based on fact.
So let me get this straight.
"who is holding the most ripple?"
Ripple is, they are a company, not a currency.
Thus far ripple is owned by ripple and early partners like google who entered the company as venture capitalist own a share too.
FACT- ripple has not gone through a ICO.
Fact- Xrp is ripples Currency.
Fact- ripple holds 60% in an escrow account (not banks).
Fact- You have no clue what you are talking about.
If you did you would not be using (ripple) to describe it's currency (xrp)
The rest of your post is pure speculation on your part without any underlying facts.
It's a shame that you have chosen to write about something you have not taken the time to even research.
Thank you for your comment, this are not my words my friend its writen in the beggining i found this content a while ago just saved it, there are a lot of truth in this post and I wanted to share it, I hope you did not buy a lot of xrp..
Also, this is your post, you may not have written it, but you have not researched it either or you wouldn't have posted such a blatantly confuses xrp and ripple. My entire comment holds with the exception of "who I should have been referring to"
There is no truth in this, and I would challenge you to find any credible links to support anything which is claimed in it. In 5 mins In destroyed its entire premise. If I took 10 it would really look bad.
It's centralized, it defeats the purpose of being a cryptocurrency. Might as well just have a digital USD that is controlled by the banks and government. People who are into cryptos mainly want to kill the current financial system and replace it with the utopia of no banks.
Once again please explain how it is centralized. Just because you yell and scream it is centralized that does not make it so.