Here's what my research into Kala and related companies have shown. They have a proven track record of making lots of people good returns for at least 6 months. That's as long as I have know about them. Please don't make and post false negative hypothetical assumptions about any company without throughout research. This is a sophisticated new technology to verify debit and credit card transactions. This isn't just a coin to put on the exchanges. They're not a public company and from what I read they don't plan on becoming one, so they're not regulated by the SEC. They have made money for both novice and sophisticated investors. Make sure you read all about NUI, Kala, Mintage, symatry and how the block chains and cryptos will be used for all types of businesses in the near future. You can even watch vidoes about large corporations going into block chain. Kala and NUI etc., are solutions providing for that market. So do your research and then make your decisions. There's several people I know who have made and are making money regularly with these companies. They appear to be more honest than the other around 90% of companies that I run into that are completely blatant scams.