AFAIK, the difference between the OP's card platform and all others comes down to fees, freedom, and privacy.
| .................. | OP's eMunie card platform | All others AFAIK |
| fees | customer: 1 cent
merchant: zero | customer: varies
merchant: ~2-3% |
| freedom | yes | 3rd party or govt can block funds |
| privacy | yes | 3rd party or govt can track your purchases. |
Definitely a good thing to try after all everyone has to have a card when doing transactions. $20 is nothing as compare to being tracked.
This may seem to attract a lot of criminals who hides from being caught. I like the idea. i hope they will develop a token too so we can invest to its development.
Any monetary payment system will attract criminals in some form, it's the way of the world and it'll never be stopped. So long as the majority of people using a system are doing so honestly, then everything should be just fine.