A lot of people underestimate what it takes to become a new means of payment. You have to be an expert in many areas or otherwise it will fail.
I fully agree with you and I have seen many similar projects that have not been implemented.
but I have not seen any such concept before. I hope the project will be implemented as it is in demand by society.
Well, they often think about a lot of aspects that are important, but it's enough to only forget one and consequently it won't work.