Yes for sure. Why i think so? Because actually the Pay-Token is useless and has no value. Consider the words of Julian. At some point, the price of a coin reaches its real value. In the logic of Julian, the price of the PAY Token will be zero. And just think about the "rewards". The rewards depends on the cash flow of the credit card. Today there are no working cards that means no chance for rewards in no way. And there is still the uncertainty if there will be ever "rewards" or whatever. Last year i bought PAY tokens, because of the nice idea of passive income if you have a hugh amount of token.
I dont want to speak bad about TenX, but so far it was the worst investment last year ( i am still holding a hugh amount and never sold any token). Nearly every coin independent of "good coin" or "shitcoin" outperforms TenX... I really hope they will be successful this year.