Arguably bitcoin is more centralized than XRP with 70–80% of the hashrate from Chinese Miners for Bitcoin.The XRP Consensus protocol verifies transactions without having to incentivize like with POW, which I feel is a strength.

And, last I heard you could also use credit cards, Starbucks points, and probably airline points to buy your latte — what’s your point? Trustless?

Trustless is a mechanism enabling that transfer and ensure sender authenticity and currency validity — without the necessity of a 3rd party. Well, someone still has to build that, whether that’s Vitalik with Ethereum, or SDF for Steller, or Ripple for XRP.

Have you heard of Interledger and Coil? Trustless use case for XRP — so there’s that…