I hope not, because I got into crypto world just because I don't want to deal with banks... But whatever yall want, I don't care. For me, standard is bitcoin, maybe fiat values too and actual altcoins. And yes, offcourse it's eazy to be top 10 in crypto currencyes if it's not cryptocurrency, made by bankers, and is eazy manipulated since they still got more than 50% of assets in their pockets plus, don't forget about their false marketing, as a decentralized cryptocurrency... it's not decentralized as you can see here:
https://coinmarketcap.com/currencies/ripple/ and it's not even a Cryptocurrency, it's just another shitty bank online platform as you can see on their website:
https://ripple.com/xrp/ as you can see you cannot download a masternode or even a wallet.
with XRP it's like that, if you invest, you are investing on people's stupidity. gg
There's a lot to unravel here. Look at fudgingo below and let me know if you have any questions. I'll give you that BTC and XRP have very different consensus mechanisms. David Schwartz recognized the faults in POW back in 2010-2013 when he created XRP and set things up differently. He realized that POW doesn't scale and is not sustainable for the environment. He's not alone though, David Chaum, who is a finalist for possible Satoshi just released his new project, Elixxir which looks really exciting. Ripple currently controls 7% of the total network, that is a fact. They have been very successful on their decentralization plan and will be completely decentralized in about a year. Also, they never set out to be a peer to peer network, they are solving cross-border payments and all the friction associated with it. Solving this problem is massive and will benefit the unbanked and very poor around the world much more than Wall St. If you are sending money to a loved one in another country who makes $2/day now and you send $500 it can take up to 5 days to get there and cost $30. Ripple, using XRP as a tool through partners like MercuryFX you can send $500 in 3 seconds and have it cost $2-3. This will change lives in a meaningful way.
https://fudbingo.com