I think that stellar will kill ripple very shortly.. Distribution will be much better, non profit, donations, Jed can simply exchange all his remaining xrp for stellars by donating the xrps. Brilliant !!
I'm surprised Ripple hasn't died out, being a centralized system with 98% "pre-mine" for the founders
ripple labs is actually developing some good stuff like their implementation of smart contracts via codius: http://codius.org
as for their distribution of xrp, yeah, it's not good if you want to gain adoption. they are going for banks and big financial institutions instead of consumers.
is for being centralized, again yes. but ripple is supposed to be a distributed network, but due to ripple labs controlling most, if not, all of the validating nodes, it is centralized.
i thought they would have already figured out how and who to add as 3rd party validators in their network by now.