If you take note of the OP, we stress tested a single partition....there are 1024 partitions in total.
One requirement for this performance is to support the native eMunie debit cards at point of sale terminals.
Is it fully decentralized?
Really asking that question

Of course it is!
There are no "super nodes", no delegates, or anything of the sort.
Even the debit cards are decentralized to the degree where you can make your own, load it with funds, then pop to the store and buy your coffee and cake (assuming the merchants POS terminal has the EMU patch for his existing hardware).
The debit cards don't run on the VISA/MC network, or need a 3rd party.
Is there a whitepaper available also is open sourced or is everything closed currently?
I'm here because I find different solutions interesting, so congrats for it.