Founded in 2015 by Toby Hoenisch, TenX is a cryptocurrency payment service that integrates an online wallet, a physical debit card, a bank account, and access to ATM. The project aims to develop various financial instruments that simplify the use of cryptocurrencies in the "real world". With headquarters in Singapore, TenX offoers advanced security mechanism based on smart contracts. TenX users automatically become owners of the DSS key which gives them a full control of your funds. Users can also modify security settings using smart contracts. For example, it is possible to change settings for daily limits, portfolio spending, withdrawal settings, etc.