Very Well written and summarized i must say.
And yeah agree with everything you said especially the Fiat to crypto part, I also think that their decision to choose NEO was really good. Honestly dont think i would have been able to find this Gem had it been done over ether and all that ICO clutter there. The ICO Market right now is very small, think Jan-Feb 2017 right before the ico explosion on ether. And the fact that it costs 500 gas to start a project on neo vs 100$ on ether acts as a real buffer, and helps filter out the scammy projects. Spot Coin has made a fantastic decision to adopt the NEO Chain
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Thanks for the honest review and the view for the project, I also think Spotcoin will be a huge in years to come, since they are providing a solution to a key issue in conversion of digital to fiat.