I agree with some of them. But for me, I will recommend DCC or Distributed Credit Chain, a very promising one. Just ended their public sale in 20 minutes? That is wow for me. Distributed Credit Chain is here to change that moving forward by giving the people control over their own financial options. A decentralized system will eliminate profiteering by credit agencies and banks by increasing competition in the space. When there are only a few major players, it's easy to create an team that will allow only the major companies to increase their profit margins. Distributed Credit Chain is here to change the old centralized platform. DCC increases access to credit and shows consumers how their data is being used and managed in the credit rating process. Want to know more about DCC? Please visit http://www.dcc.finance/ or follow them on twitter https://twitter.com/dccofficial2018?lang=en