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Good review (or rather overview I would say).
There's one thing I'm not quite sure about tho: when I will hold more TenX tokens will I also get more percentage amount of ETH reward (TOKEN HOLDER INCENTIVE)?
Also the worth of all my cryptos on TenX card is dependent on exchange, right?

i invest in tenx , i bought 100tenx , i will bought more , its a great coin with a huge potential

I believe into TenX as a project and in PAY as a token, because PAY offers a regular monthly income!