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ripple is too banky for me, 70% held privately, dont know much about sia tho,

The fact it's used in banking gives it more solidarity in the long run! Sia is an encrypted cloud server- basically an iCloud/Google Drive/Dropbox that runs on blockchain technology. And, it can only be purchased using their own crypto- SiaCoin. Pretty genius.

interesting, ill throw 100$ into it right now :) hope for some returns

It's currently the equivalent of 2 cents per coin, around 0.0000700 BTC. Get in while you can :)