I see ChronoBank is the next ICONOMI
Hardly. Its a good project but its potential growth is smaller. First, adoption of crypto world in many countries is quite slow (from people point of view and also from government). Secondly, their idea can be much easier copied (it is not so revolutionary as Iconomi). And thirldy, Iconomi team made before Cashilla which is kind a complementary with Iconomi. Chronobank did not do anything similar in the past
I won't comment if ChronoBank will be successful or not long term since it's all speculation and we are still years away of crypto going truly mainstream. However your arguments could be applied just the same to Iconomi. They seem to have plenty of connections and experience with real companies and employees, they are not coming from nothing. If they manage to cut expenses compared to other options as they said, their business will flourish. I think this is similar to Lykke (that's much more focused on banking, money transfer, etc but I believe they still aim for services exchanges).
I think what distinguishes ChronoBank from other cryptoprojects is that LH tokens will actually have parity with current real world currencies. Let's face it, ETH, BTC, XMR are hardly spent or used daily because people hoard them. Volatility is the final nail on the coffin and the reason you can't really build a real world/daily business strictly based on cryptocurrencies other than a exchange or a betting site
The time tokens on the other hand are basically company shares which will receive dividends if the company grows (just like ICN).
some one lie to himself into mirror every days this that 5x jumps are common 
