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By 2020 I see Cremit being listed on several major exchanges, a ten fold increase in prices and global presence. And the answer to the second question is , Yes, I hold cremit tokens and plan to add more in this pre ICO sale.

I see that the tokens are pre mined, and so it will be too centralised. What are your thoughts?

Although the tokens are premined, I don’t feel it will be centraslised becuse people will eventually come in and dilute developers holdings.