Great to hear from you again, @wcxofficial! I do appreciate the refund you provided, and I have held that money aside in case I decide to reinvest. I do wish you would go with an escrow service since a 3rd party is a nice safety feature. If not escrow, how about a multi-sig wallet? It's nice to trust people, but in crypto we strive for trustless systems, do we not? In a worst-case scenario where I decided I wanted a refund, I really am not in any position to get that refund if you refuse. You could take down your website, disappear, and I would have no recourse (I would not even know who to try to go after). If, instead, you had a multi-sig wallet I could deposit into and wait to sign until end of ICO then I would feel I had some protection.

To be clear, I really want this project to succeed--for purely selfish reasons! Not only would I like a better exchange than anything else out there (you are not there yet), but I would love to have a stable and growing monthly payout in a mix of cryptocurrencies. I love the option of being able to seek a refund all the way until the end of the ICO if you can make it "set in stone" in some manner. By the end of the ICO we should have some real numbers of transactions/day and get a sense of how much we may earn on returns each month. If I had some sort of safeguard in place (escrow or multi-sig wallet or ??) then I would reinvest right away. Without that I am quite hesitant, having lost money before to people who had given every reassurance that my money would be safe with them.