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      "author": "steemitboard",
      "permlink": "steemitboard-notify-kabdaddy-20190803t202636000z",
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      "body": "Congratulations @kabdaddy! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@kabdaddy/birthday2.png</td><td>Happy Birthday! - You are on the Steem blockchain for 2 years!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@kabdaddy) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=kabdaddy)_</sub>\n\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
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      "body": "Sorry, but I have to disagree for a whole host of reasons. Please check out my article on the subject, I would really like to change your opinion of Monaco as a legitimate contender:\n\nhttps://steemit.com/mco/@smithappens/monaco-card-an-exciting-future",
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      "body": "Hi, I've just read through your article and although I want both coins to do well and prosper in this space (afterall, I truly believe these products will bring exponential growth to the sector overall), I am tired of hearing things from a TenX perspective that lack any substance for facts. Believe me when I say that I want everyone to do well in this space, but to say TenX is a superior product is outrageous. Let me argue my point with facts:\n\nPoint 1 - Third Party Issue\n- First of all you mention a working product. TenX took the shortcut to Market. They issued cards through a third party, Wavecrest, who are also their Visa program sponsor. The biggest issue here is that third party issuers such as Wavecrest have now been found liable for cross-boarder issuing  I.e. they have a deal with Visa Europe, but they are shipping cards to Hong Kong, Singapore and Australia, which impacts revenue of Visa Asiapac. It works the same between other regions. They have different teams and separate P&Ls. This is why they are now forced into sending around e-mails for account closures whilst they find a new issuing body in each region. This is why the price has dropped.\n- Monaco on the other hand are aiming to become a Visa Program Manager and we assured by the CEO that this will happen this month (September). So if anything, you should be advising to invest in Monaco on this news alone. They are so confident that they even have the date in their card pre-order application. So whats the difference? Visa Program Manager means they have been approved by Visa, they will be responsible  for marketing, distribution, customer care, KYC/AML and the whole P&L of the program. In simple terms this makes them more competitive, able to offer much better rates and a generally more rounded product. That brings me onto point two - the product itself:\n\nPOINT 2 - The Product\n- Monaco put simply is the more competitive product. They aim to take on banks, not other cryptocurrency start-ups. They offer 0.75% cashback in the form of MCO on ALL purchases. They have perfect interbank exchange rates and they pay 1% of all cryptocurrency transactions to the asset contract, that is double the 0.5% TenX offers. Not only that, there are far fewer token in the asset pool. The cards are quite simply stunning and the platinum cards are made of Metal! Once these cards hit the market they are seriously going to be considered a premium high end product- in the words of the CEO they want to be the Apple/Tesla of crypro. Finally, there are NO user fees. the cards are free to ship and they have no user fee's. They can offer this as they will become a visa approved program manager.\n\nPOINT 3 - As an investment\n- I have  already touched upon the fact that the Asset contract contribution is double that of TenX's and yet there are 1/3 less tokens! This equates to a MUCH quicker and Higher asset contract growth.\n- However, there is something far more exciting as a Token holder that was simply brilliant from the Monaco team. In order to get the more premium Platinum cards users have to lock-up MCO for a period of 6 months. The amount of MCO to be locked up differs depending on the platinum card selected. The first is 50MCO, the next level is 500MCO and the black card is a whopping 50,000 MCO. Anyway, this will further reduce the supply of MCO on the market whilst at the same time the demand will be significantly increasing as more users begin to get their cards. Reduced supply and increased demand = exponential growth.\n- Finally, there is the simple fact that Monaco is HUGELY undervalued. It is currently less than a third of the Market Cap of TenX and once visa approval hits in the next two weeks sometime, I can see it being being 4x-5x the price now.\n\nPOINT 4 - Compliance\n- This is at the core of the Monaco team. They have an ex-MasterCard CFO and an Ex-Visa advisor on the board. They constantly talk about the requirement of being compliant. That is why TenX got caught up in the recent China ICO crackdown, whereas Monaco didn't as they had thought it prudent not to open the ICO to Chinese Investors. This is also why their global rollout will be in stages, Asia (This month), Europe (October) and then North America (2018) as they need to be compliant in each region.\n\nThanks for taking the time to read. If you have any questions or indeed responses to the above as to why you think PAY is better, then please just reply. It would also be great to see you in the Monaco slack where the community can answer your questions! If you do go in there, drop me a message @smithappens.",
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      "body": "The Monaco brand and design language is way stronger, this will help with mass scale adoption",
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      "body": "Great post kab, i think its interesting to note that monaco is down 22% to around $11",
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