Combination of crypto lending + merchant payment system + Crypto Exchange

1. provide instant conversion of bitcoin/alts accepted by merchants to fiat and get it deposited straight to their bank account (option 1)
2. Provide some % fiat without converting crypto they have accepted if they want to profit from cryptorush (option 2)
3. Investors can profit by providing fiat to those merchants (which can be local investors with local fiat)
4. Merchants can also take short term loan directly from the fiat pool in the system if they have crypto in hand without doing any paperwork.
5. Merchants can start small co-operative type of saving within the system without meeting each other and provide the collected fund to other merchants who need it against their crypto.
6. Any merchants or investors from public can buy crypto straight from system with fiat they have in bank.