You're right ! Now there are a lot of different ISO, but with a detailed analysis there are only a few worthy ...
You can pay attention to the project - AMON/
In my opinion a very promising project. The idea is to issue a plastic card that will be tied to your wallet (the purse is installed on the phone and stores all the crypto currency in one place). You can pay it in any store. At the same time, he will choose the most profitable moment of payment and course for you.
But this is just my opinion and not the advertising of the project