Some people are saying Ripple has nothing do to with cryptocurrency and shouldn't be counted as one.
Personally I believe that it is just another coin that is running on the decentralised network BUT being controlled over to make it centralised one. It I simply using the blockchain to perform its task and nothing else.
Imagine a government is making application of blockchain in its routine works, may be to run their train tracking system based on the blockchain network but we cant simply say it decentralised as it is being controlled by government itself. So off course ripple isn't crypto currency, to be crypto one it has to have all the characteristic of it.