I am curious to learn more about how the payments to merchants work and how that ties into the Mission Statement.  In a landscape that is less tolerant of cryptocurrencies such as India at the moment, can the Hoard app be used to turn my crypto into Rupee payments to merchants already?  If not, when do you see this feature being available potentially? 

In my mind, something like this could be a real difference maker in terms of the legislation that gets passed to bridge the gap between "old thinking" against crypto, and the new wave of adopters in the Indian market.