XRP is different from other digital currencies in that its development is being guided and controlled by a single, for-profit company.
Per WSJ:
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"XRP is different from other digital currencies in that its development is being guided and controlled by a single, for-profit company."
In regard to the XRP supply and where the rest of coins are being held:
"When Ripple launched the network in 2012, it created 99 billion XRP. About 38 billion have been distributed; the company holds with rest, with plans to release them publicly over time."
Source: WSJ.com