Your token valu will always equal with real money, token will created and burned to keep it stable. But why don't do automatically, I mean it will leds of human eror. Basically I like your idea to make cryptocurrency adopted by merchant and customers in online shop. I think your project can be success.
Why do you assume this process isn't automated? Offcourse this is done by scripting.. actually this is state of the art in banking, because we you use a PSD2 compliant solution (API based) to do this automated. Because of this we can fully automated monitor amount of FIAT against minted cryptocoins. We will present realtime data of this on our portal.