I was buying into Monaco and then TenX came around. they seemed to have a working product (maybe not so much) and lower fees. I dont have a card from either though and maybe Payza is more special in that regard. Have you compared fees?
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I didn't think the tenX cards are out until the middle of next year?
I think some cards went out, but i'm not sure it's entirely been plain sailing since the ICO for tenx but cards are a great concept.