The TenX Pay tokens seems a little overpriced when looking at a goldy locks scenario vs the expected return on the PAY tokens. The dividend on the PAY token is all there is. No 'shares' in the company or network, just the dividend. That makes the current price 'prices to perfection' in my opinion.
But the product is great. An easy bridge between holding crypto and spending it in the real world. This is a very good transitory measure in the quest of rising cryptocurrency usage. I think it could go big.
See for further thoughts: https://steemit.com/tenx/@wekkel/the-tenx-play