I'd acquire now if you believe in the TenX project which is the idea of crypto as an actual means of payment. They have a functional app as well as functional visa cards. I like this brand because it makes me want a card, and the marketing and design from this team are on point. I personally don't own a position in $PAY but I view this investment as a potential big gainer in the future because of their marketing and design strategy. People like exclusive shiny things and their branding screams that.