Ico initial coin offering is unregulated means by which funds are raised for new cryptocurrency venture . It means that ico is the process that the company is raising fund for development . For that , ico is the best way to earn money . Stop suspecting and do it . Just do it   don't think too much .it will distract you from the right decision . Now you are overthinking . Believing in yourself and do some thing that you've never done before . Live your life.