Each validator picks its own UNL (Unique Node List).
UNLs don’t have to include Ripple.
Unless 80% of the network agrees with Ripple…
They can’t push a single transaction through.
🤯 Let that sink in.
4/ Let’s talk about escrow. 📝
Yes, Ripple holds $XRP in escrow.
But they can’t just dump whenever they want.
– Max 1B XRP released/month
– Unused XRP is re-escrowed
– Fully automated
– 100% on-chain
– Auditable by anyone
👀 More transparent than most crypto treasuries.
5/ “They still own too much!”
Ripple's escrow holdings are locked and predictable.
Compare that to:
💰 ETH Foundation selling at tops
🏦 Bitcoin mining centralization in 4 pools
🎭 Shadow VC deals on other chains
Ripple’s escrow?
📬 Public.
🔐 Programmatic.
🧾 Monitored by the entire world.
6/ What about token distribution?
Sure - Ripple got a large allocation early on.
But today:
– $XRP is held by millions of wallets
– No wallet controls the network
– Founders sold off under agreements
– Ripple distributes #XRP via sales, partnerships, and dev funding
It's become MORE decentralized over time.
7/ Compare it to #Bitcoin. 🆚
BTC Maxis love to scream “$XRP = centralized.”
Meanwhile…
– 4 BTC mining pools = 50%+ hashpower
– 60% mined in one region (energy risk)
– $100k+ hardware barrier
– Mining cartel politics
But hey, totally “decentralized”… right? 🫠
8/ The truth: 💯
Decentralization ≠ “No company owns tokens.”
It means:
– No one can change rules alone
– No single point of failure
– No central actor controls the network
And $XRP?
✅ Passes that test.
Despite the noise, #XRPL is more decentralized than most cryptos.
9/ TL;DR
✅ Anyone can run a validator
✅ Ripple can't force changes
✅ Escrow is locked + public
✅ $XRP is widely held
✅ Network finality in 3–5 seconds
✅ No mining. No bribery. No bloat.
Don’t let lazy arguments fool you.
XRP is absolutely decentralized.
#XRP #XRPL #CryptoTruth
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The #XRPLedger didn’t need another coder.
It needed a closer. A visionary. A fintech disruptor.
Enter: Chris Larsen.
Here’s why the devs behind #XRP chose HIM to lead the charge 🧵👇
1. He wasn’t a crypto bro. 😎
He was already disrupting finance.
🔹 Co-founded E-Loan in 1996
🔹 Built one of the first online lending platforms
🔹 Let users access their FICO scores before anyone else did
🔹 Took it public. $1B+ market cap.
He didn’t talk decentralization. He did it.
2. He scaled real companies. ⚖️
After E-Loan, he co-founded Prosper in 2005 - America’s 1st peer-to-peer lending marketplace.
He raised millions. Navigated compliance.
Fought for consumer finance rights.
Got legislation passed in California.
When #XRP’s devs wanted to go big… they brought in a grown-up.