this concept is not new, as there are already many projects focused on online payments. but none of them are actually building a platform for global services, they're just sticking to one or two countries. if you want to create a platform like this, you must have a lot of funds for promotion and looking for partners. and one thing I know is that all of that can't be done only with funds obtained from the ICO.

You can actually, however how sure you are that small business willl accept the token you are making? Its not hard to make a token, but its very difficult to gain attention of business entity to use unknown token for their business. Why not accept a world wide renowned coin such as btc and eth? Im not discouraging you, but I am saying that this task of adoption isnt easy to pursue, you will need hard work and full dedication to pull it off.

IMHO, there's no need for that. Bitcoin has already covered that feature that you want to solve. Aside from bitcoin, there's Ethereum and other popular altcoins that are already accepted worldwide and got support from various exchanges and merchants, small and big enterprises. Also, ICO is no longer a big deal today. If you've been around in the crypto market in the past like 2018, it was the hellish year for the ICO market which had stopped a lot of investors investing in it because of the proliferation of scams that revolved around it. And another thing, third party payment solutions got their service to be easier used by the merchants who would like to accept cryptos and have it converted quickly into fiat.