Oh... Well... That solve some things.
If you don't mind I asked some more, how will you brainstorm the groceries? Like, what steps will you do to gain awareness on their side that "the strange funny blue card that the man offered to pay his grocery with is a valid payment method and not a... crazed delusional man trying to scam me"?
when it comes to the retail, OTPPAY will be providing with the end to end solutions, Consider if an user walks into the retail shop to by you some basic needs, irrespective of the bill amount , one can just pay the merchant with NFC , QR and Contactless debitcard. We use the insudtry best standards to do the instantaneous shift from crypto to fiat just in time.
It sparked one more question (I really hope all of this questions are not already explained on your WP), how will you explain and attract the groceries to use the technology, with market volatility and all? Or would them be at a usd (or eur) pegged rate?