TenX rushed and messed things up. I personally liked Julian a lot. But I've been more impressed with MCO: https://steemit.com/cryptocurrency/@vimukthi/monaco-review-fundamental-analysis-why-i-think-it-s-the-best-and-why-bankers-should-be-afraid

Also take a look at: https://asia.money2020.com/agenda

MCO has VISA Program Manager Approval Announced. They planed for the long term and they have a much better jurisdiction and targeted market.