My initial thoughts was the "major retail adoption" was the fact that they would have a credit card act as the middle man. So in-essence, the retailers aren't accepting hashcoin so much as they are accepting Visa/MC. There are countless other compaines bringing to market a BTC debit/credit card, which I personally don't see the point of.
However, in the timeline image, it shows Major Retail Adoption before Credit Card Purchasing. So are they implying that they will have major retailers on-board and accepting hashcoin directly? Seeing as how most major retailers are still dipping their toes into bitcoin, I find it hard to believe that hashcoin is going to have direct interaction with retailers so early on. Why the hell would walmart/amazon work with a no-name crypto, when they have yet to embrace BTC? Unless Josh plans on paying them heavily, which if your a multi-billion dollar company, i'd imagine you'd have to pay them quite a bit.