Very interesting concept. After reading the whitepaper I have a few questions:

1. The cryptocurrency private keys are stored by you. Do you store the keys in HSMs?
2. The major switching networks will require a quick response time and merchants will also require a quick confirmation so that the next customer can pay. Do you foresee this having the required fast transaction times required by retail as traditionally crypto is not very much retail friendly due to longer confirmation times?
3. If you are keeping the crypto, how are you going to liquidate the crypto coins for a transaction if you have to send it to the exchange first and some exchanges requires many confirmations to reflect a deposit. What if a wallet is in maintenance on an exchange?
4. Are you perhaps using coinpayments.net or similar service in the background?