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RE: Slow start of 2018.

I think also a big reason is that everywhere they started posting about the owner that has 60% of the tokens for himself. I think that scared the people a bit, but also as you said the other 2 reasons also add to it

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I would say that counts for all crypto's the bulk is in the hands of the ones that created it. Besides Ripple is not just a new kid on the block, It is the only 'crypto' that will be fully in use soon by the most powerful entities on the planet. Also don't forget that a billion will be pumped into the marketcap each month.

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