The issue here is that SpectroCoin does not mind to be forever known as a business that unilaterally renegotiates terms. The effect is negative externalities borne by counterparties. No compensation was offered to persons like me who signed up and agreed to one set of terms, only to have them unilaterally renegotiated against my favor.

SpectroCoin still advertises unverified prepaid cards. This is a bait-and-switch tactic and further sullies the otherwise still questionable reputation. Think about it: if they are willing to lose so much brand equity to such a small issue, would they be willing to outright swindle you when the stakes are much higher?

Pay attention to signals like this to gain insight into the management of a company. The least disruption would be if SpectroCoin stood by the agreement they made when I signed up (grandfathering).