How often do they usually reply in here?

Although I have been invested for over a month with MCO I have not bothered to stick my head into this thread and check until now, do they visit it often and provide clear and concise answers?  Or is it random and non-commital?

Random and non-commital. I asked something about a case directly from the mail web site adress because of the spamer on forum. The answer was quickly and short (Random and non-commital), my last question stay with NO answer.

There is no reason to think that it is either or. The market is huge enough and there is Visa and MasterCard and several others. Same will happen for card providers with cryptocurrencies.

Why is the private beta a mock application that isn't connected to any real backend or wallets, is this indicative of Monaco's confidence in the final quality of the app not being very high or the backend services not being ready?

Do monaco meet its guarantee? I'm scared its difficult to say, simply because Monaco charge card is extremely inexperienced against visa and master card.

it's just a matter of time.
Gradually Monaco credit cards will be very useful and adaptable.
Maybe about 2-3 years ahead.

i was very enthusiastic when i heard about monaco, i invested in the ico

the monaco team should talk about whats holding them back
there are no status updates about the app development
no updates regarding the cards
and the worse part of the story is that they basically removed all the cool
features the card had when they announced it,
insurance - removed
token payback system removed
the only use for the mco token is to buy the metal cards...

thats all really sad....
the last remaining feature is the "perfect interbank rates" wonder how long it takes until they remove even that one...

so still no cards in the making ? 

There are cards that have been 'made', but not distributed to users as Monaco are still in closed beta testing. They have said they expect to distribute cards by mid 2018, but initial timelines were 2017 so really who knows what will happen.

I wonder do all these projects like Monaco, TenX or Centra actually all use the same infrastructure? Like can they all pay where you can also pay with a normal credit card or are there fundamental differences?