As most people have mentioned, I would go with TenX too. They have lowest fees compare to Monaco and other similar tokens, they're due for a pump in the near future. Monaco had a good run but I don't see it going anywhere and it's looking shaky at this point.
Monaco had a lot of issues especially after ICO ended. TenX is only about lower fees? Both talk about a product neither have yet, 31 August we will find out if Monaco meet the deadline. But other than that, everyone has a debit card. The real winner will be the one who can provide Virtual debit card. Disposable, one-time use. Now if you have that, that's the real killer.