Hi there. Regarding competitive analysis: they are partnering with STACK , a working mobile wallet app which supports fiat currency and is currently in beta testing. STACK leverages mobile host-card emulation/contactless that allows the mobile wallet to pay at any contactless terminal.  Many of our competitors do not have a working solution yet and are card-based only, where we also have contactless functionality. The STK token acts like a utility that allows users to transact in real-time using cryptocurrency. It could also be used as a currency to fund the transaction. To date, there is no solution that can be enable that capability. Hope that helps!