So this is like another generated coin and you are planning to held an ICO soon. I'll give some points that I can see that there's no improvement on your proposal.
Benefit:
5. Easier way to transfer money.
6. Secured
7. Easy to access
These points #5,6 and 7 are very normal points for a project to say on what they are promoting. I know its a good point to include these 3 but developing a project you should skip these things because they were given since you are doing a payment system.
Disadvantage:
1. High Amount of cash is needed for the project. (Crowd-Funding is an option)
2. Partnerships with big network companies existing in philippines (GLOBE, SMART)
You just said that there's no need of physical money but you just mentioned cash and what's with the disadvantage of partnering with those giant networks?
This is just not another generated coin and yes we are planning to held an ICO/Crowdfunding we want to offer our subscriber free to small transactions as we target from small vendors - big vendors. Points #5,6 and 7 are really a normal points but well point advantages that's why it is mentioned in promoting. Yes there is no need of physical money as this project launch but let's be realistic here in starting this such projects will cost big fractions of money from software development, legalities, deployment, partnerships with networks and hardwares that will be used in the project.