Hi Crypterium team, I'm interested in the mobile payments part of your proposition. 

Which issuing bank(s) do you use to get a card into ApplePay, AndroidPay, etc., and are they able to issue across the global regions to avoid consumers making international / cross-border transactions?    What sort of card is issued into the mobile wallet?   Debit, decoupled-debit, prepaid, credit...?   

Your own wallet MVP looks like an HCE implementation on Android.  You won't be able to do that on iOS since Apple locks down the NFC interface and Secure Element.  Are you partnering with a 3rd party Trusted Services Manager and card issuer across different global regions to support mobile payments on iPhones, or are iPhones not supported for contactless payments, but only QR code payments, in which case, where can we make payments with open-loop QR codes except in Singapore or China?

And finally, what about online e-commerce payments?  Which 3rd party processors have you already integrated, and which ones will you integrate over what roadmap time period? 

Cheers,
N.