So the value add for Monaco over other bitcoin debit cards is that you can pay/withdraw money in any currency at the market rate of exchange for both BTC/ETH and local currency exchange rate whilst avoiding the usual 3% currency conversion fee if the currency being used isn't USD/GBP/Euro. So it's a truly global bitcoin spending card then? And your BTC/ETH sell price is the market rate and not a spread determined by Monaco?

Is the utility of the token that the ICO is distributing hen that holders are entitled to profits generated by the Monaco network?  Finally, I'm guessing that once the network is fully functional that I can purchase a card to simply use the network?