Read the whitepaper. This project is very ambitious. You are expecting a large amount of customers. 25 million customers in Latin America? How are you gonna reach out to them? Cause that requires huge human resource and budget in marketing. Also, how are you gonna deal with regulation aspects? Especially for countries like China.
I don't think it is ambitious because they already have
a working product and the reason behind this ICO
is for expansion of their business around the globe so
they could continue helping those unbanked people
having trouble accessing the basic financial services. also
they had 95,000 registered users in the platform and hopefully
will increase after the token sale.