All good points on GRAFT, but you need to remember that in Asia they don't use credit cards like other regions. In Asia they use the Pundi-Pundi network on their mobile phones. Pundi X integrates with that network similar to GRAFT integrating with credit card networks.
And the large supply? Well, that's going down because the transaction fees will be BURNED. Source
https://itsblock chain/Pundi-x-101/ (remove space)
Pundi is buying back tokens for their partnership reserve fund to assist merchants coming online. Source
https://www.prnewswire.com/news-releases/pundi-x-announces-a-buy-back-program-partnership-reserve-fund-for-npxs-following-unanticipated-demand-300630476.html Lastly, they're paying 7% interest a month to HODLers this year., 2% monthly in 2019, 1% monthly in 2020. Source
https://medium.com/pundix/airdrops-overview-27c7323150b1 I believe this is a definite hold for 3-5 years.