Is there a competitor of Chronobank at this time?
There are no direct competitors for Chronobank at the labor market now.
At the market of crypto currencies - all the projects aiming to create a stable coin because LH token is a stable crypto currency and will compete with them.
and since your CEO has announced that LH token won't be backed by companies anymore, what will differentiate your stable coin from any other?
LH token is the only stable crypto currency backed by the labor power.