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.
This is a big problem for projects just coming to cryptocurrency with so much confidence and little experience.it takes a lot to convince long time investors and traders in this space that had lost so much money. Even if you got a great idea and few developers, you need to prove that you can be trust with a level of transparency. You can check their telegram group for more information and questios because I am also following and they could start the fundraising soon. They have a lot of AMA you can also join