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RE: TenX (PAY) is a Time PacMan
Don't be ridiculous. Why would you prefer a company taht has never had a working product over a company that already had one? Up until now Monaco has been only blowing hot air. TenX at least only started to blow hot air in December.
TenX rushed and messed things up. I personally liked Julian a lot. But I've been more impressed with MCO: https://steemit.com/cryptocurrency/@vimukthi/monaco-review-fundamental-analysis-why-i-think-it-s-the-best-and-why-bankers-should-be-afraid
Also take a look at: https://asia.money2020.com/agenda
MCO has VISA Program Manager Approval Announced. They planed for the long term and they have a much better jurisdiction and targeted market.