Our philosophy differs from the standard ACH protocol as well as other direct competitors leveraging digital assets. Although we utilize aspects of each we are not a bank, trading platform, or exchange. We simply plan to give the user select choice in which cryptocurrencies they can transfer, deposit, store and spend at participating locations. We stay away from chip cards as that defeats the purpose of quick anonymous transactions (ghost-payments). We hope to rid the negative stigma associated with digital currencies and legitimize a valuable asset that we can leverage over many industries.