Pay token is an ethereum token so there's no POS or POW rewards.  .5% of all spending that occurs on the debit card gets divided among all the pay tokens as ethereum except for the pay tokens on exchanges and I think the pay tokens that tenx holds.  I think the card is available in europe and asia?  The card is scheduled for release in the United States at the end of this month or early december (soft schedule).  It lets you spend BTC, ETH, EC20 tokens, Dash and maybe a few others using the card and an app.  .1% in pay tokens goes to the person spending money on their tenx card.

They're building a protocol that is going to be a bridge between exchanges banks and tenx card holders.  They aren't going to charge people money to use the protocol and they're planning on making money by being the first one on the network.  

I suspect that if governments push tenx to be something other than a coin that pays dividends, you might see pay tokens used in the network somehow or maybe voting rights on something.

Tenx is currently working on a banking license right now too.  They said it would take around a year to complete.  This allows them to issue cards themselves and pocket more of the 2-3% debit card merchant fees that happen when you swipe the card.  I think Julian said they aren't interested in loaning out money and other stuff they can do with a banking license right now.  They also haven't mentioned what they will do with the increased revenue.  If they will give it to the token holders, the people who get the debit card or reinvest in tenx.