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RE: TenX (PAY) ...looking for slow upwards growth in this one and nice daytrading channel...
I just updated the post with the whitepaper. I recommend reading that, it's one of the most easily understood I've seen in a while without the doublespeak I see in many that I read.
So is there a physical device?
yes, it's a card, backed by crypto, that is used to purchase at merchants.