What part of it’s not decentralized are you not grasping?
Finality of transactions a is decided by 30 nodes OWNED by Ripple Labs. At least read how it works.
Those banking partnerships were bought & paid for. I didn’t imagine it, it is written by a judge IN the ruling.
And just for the record, this network we are on is proof that you don’t need a shitty, scammer founded, not decentralized, government pleasing, CBDC like piece of shit token to build something that provides value.
Other than that, have a good day … go amuse yourself …