It'strue that in todays market it is very hard to have an original idea, it is just overpopulated. But you can have an original approach to the same idea. That can be the difference.
I agree with you, sometimes in order to achieve success, the project does not need to invent the original idea, it is enough to improve the existing one.
This project has a clear idea, which is realizable and in demand. Optherium Labs have a goal - to solve the current problems of finteh.