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
they can be just called potentials unless it was proven already. But as it was about to start, you can't guarantee OP that this project will succeed and reach its goal, or the worse thing it will die while carrying the money from the investors. I don't want to draw a conclusion but just like the other members said, this project is useless, nothing I see plays some important role but only a sort of promising words to catch attention and encourage investors.