I think everything that you could think might happen. Nowadays, it is not improssible that banks will not tye the modernization. Banks want to innovate themselves in order to be competitive in this world. They need to upgrade their system because the clients want a bank with full security plus they want a low transaction fees. If you are smart, you will think that tokenpay just build a project which they applied the use of bank, debit cards with high anonymity and security. Tokenpay wants to come up in the trends. We should watch first the good things in tokenpay rather than complaining about it.