Their main selling point is international spend and near exact exchange rates with minimal fee. I do not work for them, only just invested with them as it seems a sound investment. After sending Ether, they email you a link you can use like I did for referral fee credit... so I get a kick back if you go for the ICO token. This is my link: https://mona.co/tokensale.html?aid=94MXoz_NSxyobTKu6Jbfhg Here is a video on their site which has good info.