[andrewdietrich]

I'm happy to say that we're not vaporware. We're partnering with a bank that provides all of the pieces you mentioned. Our model is similar to that of Simple, which partnered with Bancorp Bank to launch their product.

[kapnobatairza]

I'm sorry to be so suspicious, but do you have ANY experience working with Chip & PIN? How are you reprogramming your physical card on the fly?

When you make such bold claims, it is difficult to take any other part of your product seriously.