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I've seen high end even invite only cards that looks worse than the lowest tier card from Monaco. I also believe they have the right vision. Vision and people is the most important part of a buisness. That's why I'm a massive fan of Dash and its ripoff PIVX.

Monaco also had the best Into period. They sold their vision simple and elegant. No hype. No DECENTRALIZED!!! bandwagon. They just want to go mainstream and they focus on the more crypto friendly regions. It's a perfect plan.

I also have high hopes for WTC. Check it out if you haven't already.