Wait you don't get why Pundi X is down?
70 million dollar market cap. The merchants have to buy a pos machine. Every merchant in the world would have to buy one of these or else this is just a specialty coin.
Now take STK. 4 million dollar market cap. + a 5 year deal with Mastercard. The stk card is already released in Canada and the fiat option is live and the crypto side is being beta tested in Canada. Everywhere MasterCard is accepted STK card will be accepted.
PundiX is going to eventually go down as its not feasible.