You can see both Monaco and TenX are developing into a potentially explosive pattern. From a foundational analysis point of view, it's very timely since crypto's are getting mainstream awareness and people are increasingly curious and willing to use it. Both will provide credit/debit cards to the masses which will allow your everyday John to accumulate and spend cryptos without knowing that much about it.
TenX seems to be ahead in terms of not only hype but also development since they were founded in June 2015, which is roughly 1 year earlier than Monaco. In this regard, I expect PAY to break the C&H pattern in an explosive upward movement, which will be closely followed by MCO