Flashmoni

update;
the release of the mvp and the card option have legitimized the product.

Update rating : found no product ....
Vision and team is strong raised 60M already but working on product.
Great project doing good job

Any ICO offering ATM access and debit/credit cards has to be rightfully questioned as being legitimate. Every single crypto company that had cards lost them... Coinsbank, Xapo, Wirex, Bitwala, BitPay et al. when Wavecrest got ousted by Visa. The fact is, the incumbent credit card companies own the ATM networks in Europe and they decide who gets to take money out of the wall. And right now, they don't want crypto companies doing it. If there was a way, then we would all be using cards from Coinsbank, Xapo, Wirex, Bitwala, BitPay et al again. And we are not. Therefore any ICO offering debit or credit cards is deceitful.

Nothing built here either - even Humaniq had some software together in their ICO for the bankless. The whitepaper is pretty to look at but also pretty short. Vision is not good enough. And they are trying to do far too much, rather than focus on the niche where they might have a chance.

Great product, the concept looks very promising!

Interesting project, already reached solid result

Best of luck to the team. Revising score after further in-depth review was conducted.

very diverse and experienced team; strong vision and whitepaper

No MVP, team members do not look very professional (you are asking for millions of dollars and can't even bother to take quality photos of your board and team members?), web site does not inspire confidence.

Update 16/04/2018: Decided to revisit the project. Here are my new findings: Site does look better and team photos are significantly more professional, good. Company is incorporated in the UK. No mention of vesting period but was able to find out that there is no vesting for team and advisors (which significantly deducts points on my list since vesting prevents dumping of tokens over the pre and main sale participants and aligns the team and advisors with the project).

Rating slightly adjusted after the second analysis.