Something is bugging me about that review:

The company cites immaturity of the Ethereum network as a primary risk. This is not entirely unfounded, given the long-standing challenges facing Ethereum’s mainstream development. The Ethereum network has already been prone to significant processing delays due to extremely high volumes. It seems like Gatcoin’s success would exacerbate processing delays on the network, especially if mass adoption is achieved. To date, it is unclear how or if the Ethereum community can resolve these issues.

The author does not take the high-speed Super Large Ledgers into account which separate the Merchant Token transactions from the Ethereum network. The risks outlined in the whitepaper pertain to GATCOIN transations mainly. I concede the GATCOIN platform being a D-app on Ethereum could be vulnerable, and I am not sure to what degree the Merchant Token networks can continue to run autonomously in the event Ethereum underperforms.

However, the Ethereum Byzantium upgrade has cleared up Ethereum network congestions and lowered the transaction fees dramatically. And there are even more upgrades in the pipeline.