This definitely has many cre8ive innovations, but what was mainly important to me was the part about converting to FIAT and the confusion with so much wallets and tokens and waste of time.

The journey from crypto to FIAT is discouraging, from one to another, losing worth as you go.

It feels good to know that a solution is available. 
Also, and organized bank would handle the confusions newbies face. 

Great stuff!