I really like the idea of the CRUX COIN project. Especially to issue electronic debit cards. This requires a partnership of banks, manufacturers and retailers ... Are you prepared?
It is cooperation with banks that bothers me the most. The very idea of a crypt is to avoid financial intermediaries, including banks. However, some cryptocurenccies like Ripple are close to banks.
This project does not need cooperation with banks, he himself copes and Ripple is a very unstable token.