I think we'll just have to agree to disagree on the BlockCard transactions. I can tell you that I have spent many hours mapping out the transaction history of all the active Ternio wallets, including the BlockCard wallets, as part of my due diligence. This is not hard to do, but it IS time consuming. I believe I have a good understanding of how the process works and have used my knowledge to find opportune times to buy additional TERN since there is a manual (with a time delay) part to the process.
If you spend the time to do your own research, you will find all the answers you're looking for.