MCO token should be worth about as much as  FUCK token. At least FUCK token is deflationary whereas MCO can create as many tokens as they wish. MCO token used to represent fees, and now they are giving fees from investors to cardholders instead, leaving us with nothing. The only value I see from MCO token is the requirement for cardholders, say 50 tokens for a card, but if token drops down to $0.1 per token, then that's only $5 in additional money flowing into crushed MCO price.

I own over 1500 tokens at this moment, I was under the assumption fraud isn't legal and management isn't that stupid or will risk facing class action lawsuit. So I will hold. MCO have huge potential, and management team is good at promoting. But probably horrendous at realizing the value of this company doesn't come from the pitiful amount of fees they can collect, but rather valuation from token, which they just crashed.

Visa processed about 100 billion transactions, with total value of 6.8 trillion+, 15 billion in revenue, and 6 billion net yearly, and trades at 40 times yearly earnings or 251 billion. See yahoo finance VISA is worth 251 billion https://finance.yahoo.com/quote/v?p=v  

Now, if Monaco get just just 0.1% of what visa does, which would be 100 million transactions, 15 million revenue, 6 million net earnings. It would be at 250 million market cap with 40 times P/E multiple. And given the rate of growth of MCO, it could easily fetch 100 times P/E, making it a billion dollar company versus 60 million now. Assuming it's a security. If it's a crypto maybe even higher valuation as there is less compliance costs. But no, Kris has to take that tiny amount of revenue for himself. The management team can easily become billionaires 5 years down the road if they actually expand at the same rate they projected in the whitepaper, and token valuation could be realized not just by dividend model, but can use token buybacks, which is similar to dividend model and bypass security laws.