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Unlike almost every other crypto, XRP uses a "permissioned" block chain.
It absolutely NOT the same as something like Bitcoin. A permissioned block chain means some central authority has to give you permission to authenticate transactions. Ripple is no different in that sense than any other CBDC, just with the central authority being Ripple instead of a central bank. Any transaction Ripple doesn't link can be reversed simply by jawboning, and all the authenticators will fall in line.
Ripple was designed from the beginning to work within the central banking system as an alternative to SWIFT. Look up their history. I used to listen to the late CirstenW push Ripple. That is how I knew her intel was tainted and that you couldn't trust her 100%
One thing though - Ripple is never meant to be the currency for people, just a mechanism for cross border transaction between big organisations. Not sure if that changes anything