About "TenX Pay, it will cost you $15 USD"
Well Im someone who paid it and used for payment already.. it was worth it.
Someone can say the same about hes monaco card?

About investment, I was about to look in, as it grew up every day up to 28$ - 30$
The marketing was really great. Coins like NEO, which also was hyped same time have cost 35$ (Today 114$, yesterday 180$ ).
Monaco cost today 10$

It was really hard to invest money into crypto end of August 2017 and to stay in minus until today, but monaco made it real for some.