In my opinion Change Bank is a better project than all of the ones i frequently hear about and this is why:
1 - Change Bank is the ONLY project which will offer a financial services marketplace (due in Q1 2018) as well as the card (shipping Dec 2017 - Jan 2018). The financial marketplace includes access to stocks, invest in startups, loans, insurance, real estate, roboinvesting and many other banking like features to be announced! As far as I know, TenX and Monaco are only cards and Centra will build something like Ebay. It seems pretty tough to compete with Ebay/Amazon in my opinion when they themselves will probably accept crypto payments pretty soon anyway.
2 - Change cards will ship Dec 2017 or early Jan 2018! Card will cost only 9 euros and shipping to Europe first.
3 – In my opinion, Change offers the highest potential passive income (through revenue sharing) out of all of the projects. 5/6 of revenue generated from the financial services platform go to CAG token holders, 1/6 goes to Change team. You also receive 0.5% back from using your card but also 0.5% from everybody's purchases go to token HODLers. CAG is a utility token and NOT a dividend token. Token holders don't have equity in the company and the company does not need to be profitable to share these revenues, which is opposite for dividend tokens.
4 - Change have not done any marketing at all yet really because they want to make sure their product is good quality before spending a lot of money on marketing (unlike TenX, Monaco, Centra). Personally I prefer a team who delivers a quality product before a hyped marketing campaign! I mean look at the situation (whether true or not) Centra got themselves into and now somebody is trying to file a lawsuit.
5 - Change has partnerships already with ETHlend, Smartly, Danabijak, Bit of Property, Estonian E-Residency, Mothership and others.
6 - The Change app will first be released as a web app only and will be released in December 2017! Yes they are on schedule even though its 20th!!! Android and iOS apps will be released shortly afterwards. There will also be a security audit to ensure safefty. Currently closed beta testing is happening and the Change team took a lotof feedback from the community and are now implementing those extra features before public release!
7 - Change only has a market cap of $15 million right now! I think just in those few points you can see why Change is the best project based on the facts and has the potential to offer the highest passive income for token holders out of all of them! Monaco has a $200 million cap, TenX has a $400 mil cap, Centra has almost a $100 million market cap. Now imagine what will happen when Change start doing some marketing and everyone realises that they have a more interesting product than all the others.....
Very recent CNBC interview:
https://www.c[Suspicious link removed]m/video/2017/12/18/riding-cryptocurrencies-to-become-a-major-bank.html?play=1
Very recent live AMA with Gustav (Head of Product):
https://www.facebook.com/changefinance/videos/1731110076940430/?notif_id=1513760690733883¬if_t=live_video_explicit
