Companies that use Ripple are the perfect example of centralised giants and Ripple is the perfect example of a company that is not delivering its promises to token investors.
There's no such thing as "token investors" for Ripple.
Ripple was not funded by an ICO & it's a private company here in the US.
Ripple (the company) is centralized, just like the Bitcoin foundation is centralized. It's an organization.
XRP, the cryptocurrency, is decentralized - more so than Bitcoin or Ethereum.
Source:
https://ripple.com/insights/the-inherently-decentralized-nature-of-xrp-ledger/