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http://www.qwark.io Debit card with QWARK money and more things!
http://okcash.co/ Good technology, good community, without innovation but the price is undervaluated right now!

Yeah, OK has super fast transactions and low fees, it's great for paying and they have some IoT integation as their devs have created ROKOS, but Im more into efficient payment system. Plus they have PoS and you earn interest for holding. Do you have some more info on QWARK? Id like too read some nice summary, thanx.