A proper disclosure first - I am a Change team member.
I would like to let you guys know that in some respects there is a competitor to TenX and Monaco - the Change Crypto Bank based out of Singapore. In addition to cryptocurrency card payments, the strength of Change's value proposition lies in accessing hundreds of specialized cutting-edge financial services, all from one place without having to sign up and perform KYC on every single platform.
You may check out our thread here: https://bitcointalk.org/index.php?topic=2087937
Do you guys think the concept and value proposition of cryptocurrency based cards and investment is a strong one? Why?