Crypto is just a 'secure machine beep' enabler.
So long as machine goes beep at POS (Point Of Sale) then all humans involved are satisfied.
If you can give payment scenario just like tapping a card on some machine that you the crypto provider offset with some sort of 'accept our currency at your store with our machine, which also accepts visa paywave + all other existing methods!' (because those methods are actually just license fees tacked on to a basic RFID via an API) and then you can just have your crypto be some oracle back-end that links into the larger payment options and is just a front-end for the transaction and offer YOUR payment service as only 'pay with our crypto-cuddle and each transaction only costs you xxxx crypto-cuddle tokens!'.
It's obfuscated for the user and just a way to basically hijack the existing user market. Eventually you can offer things like a mobile phone app (super popular in China) and blah blah.
The algorithm itself then would really just be a 'ready to beep, link unique card to user in db, present beep at POS, do the rest in the backend with like the laziest priority queue and have every payment machine you offer just be a tiny little cpu terminal that does any pointless cryptographic pants dance that legal and accounting need'.
>Signed ~Always-Always, PayMeOnlyInOrWithMemeMagic~https://twitter.com/lilearthangelk?lang=en 
