I'll believe it when people start using their cards, otherwise it could be just an elaborate scam to make people believe there is a product in the works which never materializes, and these guys eventually abscond with the money.
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Centra is started by ambitious 20 somethings, that are stumbling their way to success and learning as they go along. Sam appears to be the mastermind and whatever the articles says about them, is balanced out by Sam's verifiable hard work and delivery of a working product that you can download on the play store and IOS. It's a big risk yeah, but potential big reward.