Ripple owns about 60 billion of the 100 billion XRP created. Brad Garlinghouse owns a 6.3% stake in Ripple. On top of that BS you can't mine XRP. Stellar is at least a non-for-profit and with half circulating supply of ripples almost 40 billion (Bitcoin= 17 million supply). Which is why its so cheap even though is has a nice market cap. If Ripple had as much money as Bitcoin it would prob be worth $4 .