You raise some very valid points, most of which we also identified as key questions to our enterprise. As to the social issue: we anticipate the chicken-egg pro

You raise some very valid points, most of which we also identified as key questions to our enterprise. As to the social issue: we anticipate the chicken-egg problem on an even broader scale. Our target group are not companies who already do sell a lot online, but the ones who did not even start doing so, missing a suitable solution to acquire payments. So we focus on projects where the direct selling of goods or services starts from the ground, which we expect to work to our advantage, in regard to convincing companies of using our service, even without an exisiting customer base. We will not pursue the customers directly at first, and concentrate on finding partners for integration. These will be probably startups themselves, willing to try unorthodox methods to get ahead. In regard to the digital wallet, our strategy is to aggregate the most important existing payment services to allow charging of accounts. With suitable integration, this de facto pre-paid approach can be turned into a nearly-instant experience for the customer.