Yeah, XRP doesn't have much utility for the average user. Also noticed the gaping error citing that Ethereum Classic implements crypto-note.

If you want to look at a token that's about as close to a complete scam as tokenly possible, look no further than Gnosis. The GNO token doesn't actually directly translate to an asset that can be used on their prediction market come launch. Even more, investors only control 4.5% of the GNO tokens in existence, granted this was all done AFTER Gnosys had more than enough existing funding. Cash grab, plain and simple.