You have that reversed.

XRP uses a permissioned blockchain controlled by centralized players. Bitcoin is completely decentralized. Ethereum used to be decentralized, but just recently switched to Proof of Stake so that those with huge amounts of it can control both the ability to make transactions and its value. So basically, Ethereum caved to the deep state, which necessarily takes with it most tokens that rely on the Ethereum blockchain.

The important thing to remember is that XRP is merely the veneer of blockchain over the rotting carcasses of the central banking system. XRP gives a small group of oligarchs the unchallenged authority to approve or deny your transfer. Trust it at your own peril.