great article with much depth. I'm also in HIVE. The central idea to support the huge market of small and medium sized businesses is a great idea i think. Your article reminds me of my adventures with ICO's so far and i think i should do an article on the 25 points method provided by Julian from TenX. It's also a good evaluation of an ICO. He mentioned that he need 5 hours to look into an ICO.