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Crystal Coin (CYL) has created what they call an evolutionary lending platform. They have combined a traditional lending program with a staking program to create a unique hybrid. Additionally, they have a short term lending program. In addition to their trading bot, the platform does have a detailed plan on how they wish to generate money on their white paper.
The UK-based team behind Monetize Coin have several years of experience in lead generation for ads. Instead of using volatility software, funds lent to their program will be used by a monetization bot which collects information about people while they use the internet. The platform will use that information to place online ads for the companies they represent.