I think that PAY have been hyped up and the real value is probably what we see now. Even though it is a crypto related card, the masses are still oblivious to the crypto-world. They will only be aware when VISA and Mastercard get in the fray. Therefore will TenX have the advantage of first mover or maybe they are waiting for Visa or Mastercard to gobble them up? Having said that I too have bought a small amount of PAY tokens to see what will happen.