I'm coming here because we have too many comments on my post with the minnow tips and they end up getting buried :)

You might want to check this out. I don't think it is worth anything yet - but it might. It is free.....

Initiative Q is building a new payment network and giving away significant sums of their future currency to early adopters. It’s by invite only and I have a limited number of invites. My personal invite link is here: https://initiativeq.com/invite/rG72RwKX7