XURUM is a safe haven.
Currently all Cryptos are mainly speculative. People are jumping in for speculative purposes. Bitcoin is now gaining some global attention and is seen as the new save haven, digital gold. it is just like any FIAT currency. It is backed by faith of all its users. Will it go to zero?? It is very unlikely. Can it suffer a 51% hack? It is very unlikely. Now that it will be listed in the CME futures and eventually some ETFs will be released will it be more volatile and have the big banks using it for big transfer of wealth? YES!!! Thats how the big banks always have played.
Now Xaurum is in fact the only Crypto designed to serve as Save Haven. A real store of value. The blockchain makes it safe and ownership proof. If you buy any ETF or CFD contract of Gold, you dont own any Gold. The broker or bank can default and you get left with nothing.
Those who use Xaurum as a store of value combined with the safety of blockchain and the services of having real fisical GOLD stored in a vault (reducing risk of storing gold at home), will never sell it. If there will be a dollar collapse and a huge crisis in the financial sector, like the mega huge derivates bubble, gold price,real value of store might reach 12k. Why? Well bitcoin reached 12k and has no value of store.
Gold shorts owned by banks, companies are huge and this information is public, just check a COT report. if there is a real risk OFF, a crisis, and all participants dump their shorts (because thei own longs and shorts for manipulation purposes and makes it easier to dump existing positions), the financial world will be hit by a real tsunami. If big banks collapse, governements collapse, countries collapse, the only thing that will rebalance the markets and reset the economies and currencies is the GOLD that governements own.
Governements (central banks) want the gold price to stay low, and it is proven that it is manipulated. A crisis will just override any manipulation and spark real demand/supply of any big company, institution, hedgefunds, rich families, etc..that seek real value of store,  real safe haven.
Xaurum is a safe haven. End of story. It is designed no matter what happens to  have an amount attached to it. now at current XAU and gold prices XAu is maybe backed by 20% Gold. But If Gold price jumps to 12k (10x), then XAURUM holders will own today 200% of their investment in real GOLD.
Many see Xaurum as a speculative investment, XAURUM is a safe haven of the collapse of the digital banking system.
A lot will happen with bitcoin this next year with the first crypto futures and big non-believers can try to shortsqueeze bitcoin, and many ICOs are now getting investigated, so many scams. XAURUM is a safe haven, hodl is the only real strategy and thing to do with it. A safety and diversification of your wealth.
A humble investors, portfolio manager and enthusiast fundamental analyst.
I wish you all safe and profitable investments.