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Check out Exacoin. See if you like it. They are just past the ICO phase, and they are moving slow, so they are on sale. Their platform seems to be ok, so I think that they will be around for a few years. The roadmap looks good too. They are supposed to start lending on January 17th. If you have time give them a look and let me know what you think thanks!! As always please do not invest money that you are not willing to lose!