Not a cryptocurrency at all. Totally not censorship resistant, centrally controlled, 80% of the supply in hands of company, shady marketing tactics with hype tweets to lure noob investors in buying tokens they were floating in the market during bull market. It’s more like an anti-cryptocurrency, nothing more than a google spreadsheet. Their company may sell some utility of their technology to the banking industry and if investors are lucky the company will assign some utility to the XRP token, but honestly it’s nothing more than an illegal security that has no place in coinmarketcap. Buyer beware!