The idea is good and rather interesting.
But there are many similar project here already.
The differences of your project from the others that I can see are a gift card and fiat.
Which countries (fiats) do you plan to work with?
The decentralized OTC exchange idea is another difference. I dont see many rivals in this context. It would be nice to exchange crypto with anyone by making use of the fixy app. There will be no need to use exchanges or any other web sites.
The fewer intermediaries between transaction participants (such as sites, exchangers), the better. Fixy applications will suffice.