XRP deserves an explanation. It works, but the cofounder owning billions and wanting to get rid of it asap makes me nervous. He doesn't want to gain from the profits of his sales and plans to donate it all to charity. This is not comforting, especially considering there is nothing particularly special about XRP. It's like the community couldn't care less about their ninja mine. I've made money from XRP but it's too much of a cult. If they burned their excessive tokens, I'd be more comfortable. Definite serious yellow flags.
Steem, is what happens to xrp if instead of managing their ninja mine tokens according to the consensus, they use the proceeds to buy drugs and start fucking around with the tokens while high. It's just an embarrassment to the entire crypto community.