Ripple is not decentralized at all. They've zero intention to bring decentralization, all they're trying to do is give banks a technology that can speed up remittances. Why do you need blockchain for that specially if you will be using banks anyways? Why can't banks speed up remittances on their own. Just do some basic search on the guy who created it, stellar lumens, mt gox, 70% tokens held by a few company individuals(although they say it is locked etc)