So Plutus is a project making Bitcoin payments possible via debit card or tap and pay app, they're similar to Monaco and TenX but are doing it without a centralized wallet or exchange so
I really wish you best luck. I just wonder how are you going to make a payment to fiat stores if you don´t convert it somehow, and not using a exchange means that marketprice won´t be used.
They've built a P2P decentralized exchange to facilitate the crypto-fiat gateway, it's not my project but I like the community and I have faith they'll do well.