Tera is a decentralized application platform. This is akin to an operating system. Tera consists of a repository of programs and data storage integrated into the Internet. The mechanism for publishing programs and data on this platform is free from censorship. The circulatory system is the blockchain.
SMART VALOR is a platform token of the SMART VALOR exchange which is now a Crypto to Crypto to Fiat. We are working on becoming a fully compliant security token exchange in 2020.