just p&d coin isn't it ? still no working product , what different from the great centra and tenx

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The crypto app is live for a few hundreds beta testers and we were already able to lock up funds in order to be able to get the card. Cards must be on the way. Of course being listed on bithumb paved the road for a pump
I somehow missed the info about the app. You can pay with it the same way as with the card? Or what is the app good for?