This is the first time I have encountered a card that has the utility of debit, credit, loyalty and prepaid card all in one. Upon reading the Lala world whitepaper, at first I though it was just a basic wallet wherein you store your money like in bank accounts and then withdraw it when you need it, but then I've learned that you can also use it to pay directly. No more hassle withdrawing your money first before you can purchase a product. This is indeed a great idea. Kudos to the devs!