Do your research.
Credits is more than just the fastest platform in the world but it's also an anonymous smart contract system and automated smart contract system which no other platform is attempting to accomplish. Their focus is financial and iot.
They have the director of blockchain Technologies from IBM on their Advisory Board as well as meetings with the credits team and changes are being made to Taylor IBM's needs. A partnership with IBM would be the biggest thing since sliced cheese. I know you didn't think that was a big deal but to most people it is.
The prototype hasn't been verified or demonstrated. It's still a concept. Without verification, the concept is worth about 0.70 a share, but with verification by an outside source like they've done, I think we could double that valuation, but only when compared to the space, at large.
The team's greatest asset is still the name. Clearly, none of the larger exchanges will touch it, at this point, but that doesn't mean they won't, eventually. You will want to be 100% in BEFORE that occurs, due to the lack of liquidity. Even a handful of hours behind the curve will wreck your investment in this coin. I never sleep outside of Credits.
The second greatest asset is that they didn't over value their concept, which demonstrates integrity.
Mass adoption of digital currency is going to happen, and sooner than most people realize, I suspect, regulation or not. However, I believe that the threat of new regulation in the U.S., coupled with the threat of a war on the Korean Peninsula are going to hurt this project in the short term.
If they can launch their network, and allow users to begin moving money around the globe, I see a $10 value in no time.