Is XDC decentralised?

Could you elaborate on the question of whether XDC is truly decentralised? There seems to be some debate in the cryptocurrency community regarding the level of decentralisation achieved by this particular token. Some argue that its underlying infrastructure and governance still retain a degree of centralisation, while others maintain that the network's distributed nature and community-driven development make it inherently decentralized. What are your thoughts on this? Could you break down the key factors that determine whether a cryptocurrency is decentralised and apply them to XDC specifically?