Before investment you should read white paper and also look at following points.
The team
The Role of the Token in the Project
The Terms of the ICO Itself
The Roadmap
The Community Surrounding the Project
I recommended to invest in kleyn bank,
Kleyn Bank is a fully digital innovative branchless financial institution which complies with all EU directives, Basel III, Financial Conduct Authority (FCA), Prudential Regulation Authority (PRA) and Swiss Govt requirements. Kleyn Bank also confirms full regulation from local authorities of the other countries.