Sad that the FUD already start, but it's like on all disruptive project, a lot people who support concurrency will come and tell this a "scam" and more, just cause they have money on another project who seem to look like Centra.
Anyway, when the FUD start, that say that the project look very great and a lot of people are afraid and jealous of what a project like that can do. Just for one exemple the card transaction is a big market, and a lot of people need a cards for their crypto cause they can't pay in their all day life with crypto yet. It will be a very huge market, when the card will be launch, Centra will go the moon.