What is Ripple crypto currency?

Ripple is the only crypto currency the is centralised by the banks. This means Ripple can be regulated, abused and manipulated by financial institutions and governments.
Ripple faces:
Total Supply cap: 100 Billion
Current coins in circulation: 38 Billion
Ripple holds around 62 Billion these have not to be release on the market yet
Ripple could be a good investment but being regulated by financial institutions and governments can be it's down falls.