Despite Mintoken aims to be as decentralized as possible, at initial stage it can't be because we would not be able to offer US dollars deposits via Mastercard and Visa, nor the MUSD/USD pair in our exchange (so keeping the price stable at 1$ would be more difficult), nor the affiliation because we wouldn't be able to track who referred who. These our choises have been made to facilitate the spread of Mintoken cryptocurrency across the world as quickly as possible but will become fully decentralized (you will own your tokens into your wallet even during the staking) in the future. You can look at the roadmap for more details.