There are lots of ICO's right now. i should recommend DCC. DCC  is using Decentralized credit will have a user account system that will be based on a personal DCCID; Decentralized Credit Chain ID. Instead of having a credit agency hold this information, each user in the ecosystem will have direct access to their personal data. The user's information will be encrypted and stored in the cloud for ease of access globally at any time. Because it's Blockchain-based framework, transactions and credit information will be protected. if interested try checking  out their website at http://dcc.finance/ or follow them on Twitter at https://twitter.com/DccOfficial2018