Token Card vs Monaco Card

So, I just looked through crypto news and saw the monaco card and watching the video, it seems almost exactly the same as the token card (Feels like an almost exact Copy). Every single functionality, from 1% tokens with held, premium cards at ICO, and specifically for ERC-20 (Ethereum Tokens) is all the same from what I can see. Can someone explain this please?

Via Token Card
"They were working on a foreign exchange app, and then pivoted after our token sale." - On Twitter
*****So they may have been working on something before token card, but potentially copied parts of what Token Card did. This makes sense as if you compare white papers they are very similar.

Token Card

Monaco Card

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