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How about tokens created by messengers, loyalty platforms, crypto echanges and other real working businesses? Should I put them in Tier 3 together with Ripple?
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I think Binance Coin (BNB) and Huobi Token (HT) have the potential to increase in value over time because they will always be supported by the great exchanges they represent. I'm not sure about the others though. Speaking of Telegram's Gram, for example, which is probably the most promising token created by messengers, I wouldn't say they are safe to invest in right now. Firstly, the public sale was canceled and if you see a site selling GRAM they are most likely scammers. Secondly, I read that the unofficial sales, which are going on right now can complicate listing it on exchanges or setting a post-ICO price. In short, I would put Binance Coin (BNB) and Huobi Token (HT) in the Tier 3, but I'm not sure about the others.
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 TON (telergam) are lagging behind in their roadmap. They just released "Telergam passport" feature only.