I haven't had time to look into them but I hear 50/50 word about them. Though the gold backing interests me, do think we need a few more like that where there is a bit of real world backing. I may look into it more soon and do a write up here for you. I rather not speculate till I really know more about it but I haven't heard completely horrible things about Onecoin..just people unsure yet about it is all I seen