Hyphen, net, io, xyz, for tech & fin tech, which is best?

I think io is best from user perspective, but the selling price need to be 3-4 times of others. Which is kind of risky. Would you take .io instead of others?

Hyphen vs net, I’m really not sure which is better. The .net only seem to fit for website business. The - seems kind of poor, not good for a tech company, especially fin tech.

The .xyz is good roi. If they could ever sell.