Monaco seemed like a scam project when it first launched but they're starting to seem more legit having met some of the milestones on the roadmap. Still, I hope investors realize that Monaco tokens are promissory notes (loans) with a hard cap on returns, unlike some of the other paycard tokens out there.

The upside is that it's probably more legit from a regulatory standpoint but the downside is that you might be paying more for the token than what its top end return may be.

Please do your research everybody!