AURORA DAO (AURA) – aims to be the worlds first crypto bank, allowing you to borrow funds for them. Each person will have a profile that is based on your crypto criteria allowing them to borrow funds to you similar to how your bank knows how much you make from your job and will release funds that way. They have a working exchange already called IDEX and it is ERC20 tokens only. Free fees until 2021 and their token AUORA will be used to stake and pay for trading fees. Cool concept, tons of room to grow, but it’s a HOLD for me.