Startup vs ICO. Revolut vs TenX

I have invested in Revolut, my friend invested in TenX. Both have a similar service: free currency exchange bank card

	Revolut	TenX
Valuation	55M (2016 June)	80M (2017 June)
Does it have a product?	Yes. 200k users at that time.	Not public. 1000 Beta testers.
New users per day	1500	0
Competitive advantage	Free currency exchange	0.1% cashback on spent cryptocurrency
Competitors	N26	Mona.co
valuation 2017 08	420M	420M
active users 2017 08	500.000	0

After Revolut announced that it will ad 3 main cryptocurrencies to its app – what is the competitive advantage of TenX then?

What valuation would i give?

5-10M: ±12 times! less than it is now. Competitor Monaco has now a 9M valuation