I'm really loving RaiBlocks too. My main concerns now is that there's no financial incentive to run a node, and the current price seems fictional (because 99.98% of the supply is locked up in wallets). I have high hopes for it, though, I read the whitepaper and nothing stood out as a huge problem, which is good.
The worst whitepaper I've read recently was for something called Verge, which was basically "we're gonna run a bitcoin wallet over Tor for anonymity you guys!"
* Stellar: scaling and extremely low fees, with basic smart contracts. uses federated Byzantine agreement instead of proof-of-work or proof-of-stake
* RaiBlocks: scaling and zero fees, no smart contracts