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.
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.