No worries mani I would Defo keep hold of them they could be worth a nice amount in few years 
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So what do we think shares are currently worth?
- £2.50
- £3.00
- £3.50
- £4.00
- £4.50
- £5.00+
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And what do you think they will eventually list as?
They are worth whatever somebody will pay for them.
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I could only answer this if I knew how many I was buying so I’m abstaining
Slightly different question…how much would be too much for you to sign up for the next round?
€10
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Did you mean to use Euros there?
Yes (so whatever the GBP equivalent is at the time)
Well no wonder you didn’t take my £10 offer a few weeks back! 
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I think the next round will be £3.70-£3.90 and think they will trade publicly from £5ish
For me I would look at the company size and ask myself, can it double from here? If yes then I will buy regardless of share price, if not then sell or hold.
At £10 a share that about £1 billion market cap -ish with current shares issued, can it double up to over £2 billion? Yeah I think so.
Disclaimer: dilution etc needs to be taken into account.
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Monzo haven’t even found their Crowdfunding Lead yet as far as I know (the recruit they were actively searching for for about 4-6 months to lead the next round for hundreds of thousands of investors could not be found), so I would expect the round we are all hoping for is not that urgent and is still 6-12 months or more away (unless Tristan is the Jesus of fintech/everything and can pull off these massive rounds by himself in a couple of months, or they invest a LOT of trust and money in Crowdcube to carry out a huge round). They will probably do another interim round at a “low” valuation of £3-5, maybe bring on some even bigger names from Silicon Valley or just tapping exidting investors again.
6-12 months is a lot of time for fintech valuations to move. By the time the round we want drops they are going to have 1-2 million users and be earning marketplace revenue, launched in Ireland and probably making cautious steps into the USA. As much as I dislike them - Revolut will already have been valued at £1bn as they hoodwink investors into believing their growth story with “5 million” users by the end of 2018 and trading at a “profit”. Monzo is going to keep trailing behind them until they (Revolut) get taken over or implode imho, but at around those levels. it is going to be £5-10 a share (£500m-£1bn) when the crowdfunding round drops at the end of 2018.
By the time they float around 2023-25 they will be worth about £50 a share (~£5bn) then if Tom Blomfield’s dream comes true they will gradually progress to a £10,000 a share (£1tr valuation) through the late 2020’s and 2030’s.
So yeah… worth more than £5 a share in my opinion.
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Well, I would consider that very optimistic 
although I won’t complain if I can retire as a millionaire in a decade 
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I told Monzo I couldn’t do the role, but if lack of a Lead means delaying the fundraising and is preventing people from owning a piece of the Monzo cake then fine, I will take the job and see what I can do.
Monzo, let me know when you need me to start?
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Hi, if anyone is selling then please send me a message and we can negotiate a price and work through the admin. Thanks, Josh
For everyone’s benefit, I have just sold 995 shares for £4,000. This would increase Monzo’s valuation from £280m to c£477m.
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I am happy to buy at this valuation if anyone would like to sell 
As tempting as that is 
While for me it would be a 400% ROI it has the potential to be so much more haha!
I’m also happy to buy 1000 shares at a £4 valuation, will cover fees and admin too.