Here is a altcoin worth holding. Cryterium. Basically its a new type of bank based on cryptocurrency that seeks complete integration of all purchasing systems everywhere in the world. With this app, you'll be able to buy anything anywhere as you do with Visa, Apple Pay, & Android Pay from your phone or watch. It converts your alt-coins or bitcoins into money in real-time.
They also plan to be the first cryptocurrency lender in the industry. Personally, if I was a millionaire already, it's exactly what I would do. The lending will be done by lending their tokens at one rate with an expectation of paying back the loan by purchasing those tokens back at the new prevailing rate.
Sign up via https://tokensale.crypterium.io/?ref=87bf645bd84fdc5be2bd91db