The only value the PAY Token has at the moment, is sucking your money!
Only problem I had with Tenx (especially Julian) is that they OVER PROMISED and under delivered, if they have been honest with us from the beginning, most likely there will be no issue. I must say that it hit the bottom at 0.000075btc, so most likely we are in uptrend. You don't have to be bagholder but rather be swing trader, you could easily double your money