The token care needed for claiming precious VISA platinum cards in first place. Blue plastic is free of any lockup or costs, not even shipping costs and free usage up to the monthly limits. Since cards are free, but they do not want to give a black card to a pleb for example, the lockups are intended to provide each target group its own tier. Tokens are locked for 6months and then one can unlock them, they stay yours all the time. Locked up tokens reduce the supply. And from what I can tell most keep the tokens locked for the staking rewards it is called, which are:

*wallet cashback, on each transaction, eg BTC->ETH you get some cashback, paid in mco bought from the market
*50% discount on the profit-based invest service fees, paid monthly in MCO bought from the market
*Referral Program
 -get up to 10k usd (black card, 100x100usd)  ref codes for your friends
 -get a share from your referrals fees
*white (5k) and black card (50k) levels have MCO Private, a personal crypto concierge, get OTC support, VIP access to crypto events, networking and exclusive investment opportunities

soonish
*coin votings for listing, mco tokens will give you an advantage
*airdrops, based on the mco you hold in the app
*50% more fiat credit than for btc collaterals
*more to come

card cashback (different to wallet cashback) and unlimited airport lounge access (worth approx 400usd) are bound to the card and stay also when you have unlocked the tokens


Now already >100k sigups, more than 2.1m token of 15m circulating supply locked up, many holders, credits and EU/US are ahead, besides JP, Korea, Australia, and other places ...just do some maths and you get a feeling what is about to happen here  

*edit: typo