XRP is a shill token generated and circulated by Ripple Labs Inc.

They alone control the ledger, maintain the 100 billion tokens, and “promise” to release an additional 1 billion tokens each month. And it costs them nothing to generate; just typing a number.

It is completely centralized and not a true crypto-coin by any proper definition.

Disclaimer: Of course I own some. I also own Federal Reserve Notes. But that doesn’t make either any good.