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/Just browsed around their website and this is nothing more than a useless shitcoin where only the creators will make some profit. No whitepaper, no information about the team also. Everybody needs to DYOR, but I would never invest in coins like this.
Exactly, nothing exclusive on this project so I highly doubt it will be next 100x gem altcoin. Due to current market circumstances, the chances are low it will hit 10x ROI tbh.