Lumin develops the third alternative, the community banking system. It enables monetary changes, within a reasonable limit, but any changes would always be transparent and be determiend by the Lumin holders. It combines the best of two old worlds with none of old problems. In essence, it is a community banking system, which could serve humanity's monetary future well. it is the first crypto token to offer direct democracy . find more details with below links
https://twitter.com/LuminCoinhttps://lumintoken.com/