My thoughts exactly.

The big red flag with TenX is they keep stringing investors along, every time something bad happens Julian will say, "Trust us guys, this is hard, we're working on it" and everyone believes him.

Yes, TenX did get some working cards into the market... But they took shortcuts: TWICE. Nobody seems to realise their cards have stopped working twice (first global cards and then WaveCrest ban). They've made it obvious they are willing to take shortcuts.

Then you have the promised reward payouts, which Julian has completely backtracked on. There will not be payouts now, even though Julian was promising them as late as December 2017.

Then you have the much hyped COMIT, ambiguous explanation as to what it actually is (does anyone know what COMIT is?) and it keeps on getting delayed, does Julian even know what COMIT is?

Julian seems to be slinging a lot of mud at Monaco Card lately in his livestreams. He has made it clear, he would rather defame and throw mud at competitors, than actually compete with a good product. Sad.