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Definitely see where you're coming from. Ripple does look a lot like the financial services sector and big banks are trying to get their hand in blockchain, and as a result in the long-term I more support Stellar Lumen (XLM) and what they're doing. However, right now I think that Ripple and its applications are interesting and useful (and worth investing in). It is a damn shame that its centralised, though.

ripple is more inclined towards transactions and thats why it will suit banks where as stellar is more inclined towards day to day transactions and thus will be used by normal public more

sure, it is centralized. That's why banks may use it. Banks don't want a currency which they can't control them.

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