What does your ideal payment coin look like?

[TACIXAT]

I'm looking to make a coin for low fee micro transactions. Since there are people a lot more knowledgeable about this space than me, I wanted to crowd source opinions on what a payment coin would look like. I would love to take down Visa and MC with distributed tech.

I like the idea of delegated proof of stake for the speed it offers. It seems like tx fees will need to be redistributed to the voters to keep power (coin) from centralizing with the miners (forgers, signers, witnesses, w/e). Is this algorithm alright? Is it better to go with proof of work with an egalitarian algorithm? Could that meet the speeds to take on the payment processors?

Another thought is a coin with the idea of regions. Your balance would exist on a regional (country level) chain. That way you could have low latency for network syncs. Then have compatibility with other regions, so you could transfer out if you were going on holiday or doing business cross border.

Any thoughts appreciated. Cheers!

[TACIXAT]

For a dpos genesis block, my thinking is that it would need initial balances and votes to bootstrap the network.

To not qualify as a security it sounds like the coin should be ready to launch. Are there examples of coins that are 100% allocated at genesis? Like doing a sale (and vote collection) through a smart contract after demoing with a testnet. Then converting the smart contract sale to the genesis block and going live.