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Ripple isn't centralized. There are a lot of other cryptocurrencies that aren't centralized. But I'm sure in your little sheltered bubble where you refuse to look at anything that challenges your narrative you weren't aware of that.
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XRPs consensus mechanism is based on trust of few validators. It's centralized.
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Shitcoiner go back to your Centralized AWS PoS (Piece of Shit) shitcoin