MicroMoney offers lending services for unbanked people in the world, take not that this platform has a running product since 2015 and they created this ICO for expansion of the company.
Regarding Micromoney ICO, is one of the best ICOs that has great project with a working Product + professional and experienced Team.
Investing fiat now is hard because of the KYC policy
so I suggest you to buy BTC or ETH first before
joining the ICO, also you can contribute directly using
an exchange platform but the minimum buy-in is $10.
I think they don't have escrow but funds are locked
in smart-contract and tokens will be transferable
at the end of ICO.
I found out an interesting guide on the website on how to participate in the token sale. Please take time reading it and follow the steps provided.
https://medium.com/@micromoney.io/step-by-step-guide-on-how-to-join-our-micromoneys-token-distribution-campaign-92d8018c92d8