Tenx are awesome you can find more information here: https://www.tenx.tech/ They have a wallet App. Soon to release a desktop App also have a Card to spend your Crypto. People who hold $Pay in any Eth wallet (ie MyEtherWallet.com) that processes smart contracts will be rewarded when people start spending on their TenX cards in Eth. This process will be automatic. Also, TenX card holders will be rewarded with $Pay tokens. I hope that helps.