Thanks for your support ) I think it's nice idea to start discussion about this. It's easy to build such network if we will make stable (protected from falling down, slowly growing) currency and real time smartphone transactions. You can use it in automated convenience shops and retail shop transactions.   It will be a little harder to create paypal for crypto transactions. Idea with NXT/NEM ratings may help with auction model but we will need real company to handle fraud insurance as paypal does. Also I think we must think about fast and slow transactions. I don't want to be able to loose all my money in seconds. I want to have transaction limits on everyday accounts and easy to use few steps verification model for really big transactions.  I am not a criminal so it's ok if to protect my money I may disclose my identity. It's even ok to send my NEMs to bank and connect it to my debit card.
Who want to discuss it?

Regards, Yurij