Also only ripple is vastly adopted by the banks and that is the reason it always remain in No 2 or No 3 slots in crypto market.
Vastly adopted by the banks? I don't think so, count them on how many of those banks are really using it.
The reason why it stay there because of their market cap but if ever most of the people will start dumping it, you'll see their rank will be gone. People are just buying the news and hyping it or not really the community but big people behind Ripple itself.
Even the market cap as far as I am concerned got there via series of manipulations as long as it is a centralized coin. Sure, they may have experienced some development lately with the Xrapid project, but that is all it is. Being centralized means easily manipulated and as long as the team holds most of it, the chances of instigating FOMO by pumping the market up is always going to be there. Those behind ripple like you have said are the ones doing all these and generally anything related to being a banker's coin sucks and as far as I am concerned, Ripple sucks!
Yes centralized coins are prone to manipulations and we can't remove that possibility.
After the hype they made with xRapid, they will come up with another idea that can create hype again. That's what they do, rinse and repeat. People have an idea now why the community hates XRP.
