For now you cannot categorically say that change is a better investment than centra, Tenx and Monaco because change have never released its product, to be sincere with you its just a promise no one know for sure when their products will be out. They just promised Q1 2018 as part of marketing strategy. As for Monaco, Tenx and centra, they all have same product. Therefore am not yet convinced with your position on this issue.
True, but it is a better investment because you can get a better ROI if you invest in Change now. The marketplace is not released yet but they already have many partnerships and many will follow.
Q1 2018 will be huge, that's for sure.
Btw. wallet and cards are on the way.