I strongly discourage new people investing into "payment processor" coins b/c the future is very uncertain due to different types of laws in each country. This will kill the progress of the coin and by the time they resolve the problem, they will be forgotten by the community, like Tenx. This type of coin is really similar to security and they going to have tons of problems with the government.
For regarding with Tenx, they should of shift away from cards thing and focus on COMIT from the start but that didn't happen. They just wasted away 6 months of advantage they had over their competition and they have fallen behind. Tenx is NOT that focus, that is why it drop from top 30 to lows 90's. This should tell you something about the company.

https://www.youtube.com/watch?v=sbLGQf9WIK4Is that best you could do? Where is your substance to your argument or do you have one? If you have done little of research you would find that Tenx is NOT startup company. They had angel investor before ICO so they have doing this for at least 1 year. By the way, it is not 6 months, it is closely to 8 months WITHOUT ANY PROGRESS. I hope you keep buying useless Pay token so that I could bail this useless token at break even value. It really sad that I trusted Tenx and end result, I got shafted for not selling at original all time high price at $5.50 (0.0016 btc). In cryto world 8 months is long periods of time it is equivalent to few years. Talk to people who been in cryto world for few years, they will tell you that, the speed is in ultrasonic speed.
Everything you wrote is a pure truth.
Unortunately for PAY hodlers.