Ratings TOKIA

1) In "team" I cannot find any tech stuff or something like that, only "effective managers"

2) Many times "Debit Card" is stated. But, no info what card it will be (VISA/MC/AMEX..)? All cryptocurrency cards meet a problem with that, because VISA/MC not working directly with crypto startups, so all using Gibraltar company as a proxy (Wave Crest).

3) I don't like token economy. No circulation. Just hold. May be it is good for price rising, because it is effective trigger for price growth. It is just my personal opinion, that token economy may be much more attractive to customers.

Wavecrest is effectively shut down as VISA cut them off. No more debit cards folks - Xapo, Coinsbank et al no longer offer the service.

So that's a problem.

Team is a little weak in terms of technologists. Idea is a bit old - and been proposed ad naseum by too many others.

Whitepaper reads like a business plan. There's no tech in there at all. No algos, no math.

Need to beef up the tech side if you want me to up your score and get some more input from cryptographers and smart contract coders.

Also forget the debit card. Not happening. Wavecrest is effectively shut down as VISA cut them off. No more debit cards folks - Xapo, Coinsbank et al no longer offer the service.

So that's a problem.

Team is a little weak in terms of technologists. Idea is a bit old - and been proposed ad naseum by too many others.

Whitepaper reads like a business plan. There's no tech in there at all. No algos, no math.

Need to beef up the tech side if you want me to up your score and get some more input from cryptographers and smart contract coders.

Also forget the debit card. Not happening.

Looks like another copycat token based bank/debit card/exchange model. I'm not seeing anything visionary here. The team has no one with technical background, it's all business and evangelists. There is a CTO in the advisory team - I can only assume all the tech work is being outsourced.

I think there are a dozen other payment and token based banking solutions out there you could back before this one.

So far there is no product, no code, and the white paper is not really technology focused.

There are a lot of alike solutions on the market, but none run. Sure that sooner or later one of them will get started working. ICO's have been based off of an engineering product that provides a unique value to the token holder + the token can appreciate in value and can be exchanged for another token, crypto or fiat currency. This project doesn't have any token turnover, neither ecosystem. And you're going to enable quite expansive platform!

Team needs improvement.
Too many competitors.