AFAIK Ripple-the-software has very little to do with crypto. It’s a centralized system to move fiat and only the super tiny fee it charges banks are paid using XRP — and that too is optional.

Chuckecheese tokens have more widespread usage than XRP.

What part of "Distributed Ledger" seems centralized to you?

Distributed doesn’t necessarily mean “decentralized”. I can have a distributed database stored across 5 servers. It wouldn’t mean my database is “decentralized.”

Fair enough. But why do you say Ripple is centralized?

Ripple (the protocol) has been tested and presumably is still tested by money transfer firms and banks for evaluation purposes but not used in production.

And Ripple the protocol != XRP which is kind of funny with the ridiculous valuation of XRP. XRP is a pregen (shit)coin which banks would be loathe to use.

I never said Ripple == XRP. In fact, I meant Ripple the company.

I am not going to make a comment about coin valuations - that is a different discussion.

You were looking for an example where something useful that creates real value for customers was created. I simply gave you an example of something that does.

Well you did write Ripple and XRP so you can see how one could be confused. :)

When/if financial institutions start using Ripple the protocol for real then I will agree that it creates a real value for customers.

If I order an eval kit for the latest RPi clone and I do not use it after a week of evaluation it is debatable whether the kit created a real value for me.