as I read in white paper Cryptoriya allowed users to exchange their any crypto curency in real time.
The users can spend or withdraw in the ATM and does not need to maintain a minimum balance.
I must say sounds good, unlike in my country you need to maintain a minumum balance of 2k 5k 10k peso but
if you have no money to maintain this kind of amount and you need the bank for remittance and now your card is closed,
now they have Cryptoriya is the first blockchain offer this to make a new platform an easy access and less effort.