Are Prepaid Crypto Cards on the Way Out?

I've been looking into payment systems lately because I'm really fed up with the whole "load prepaid card" thing (like with Crypto.com where you basically convert to fiat first). I just came across this in-depth article on Medium that talks about Wallmoney/PayTo framework. It breaks down how they achieve 42-second settlements directly from assets (even commodities and altcoins) to the merchant's fiat. Ockert Loubser has even shown live demos of this on X, so it seems like it's more than just a theory. The cool part is we keep custody until the exact sale moment. This runs on Core Blockchain ($XCB). If this structure proves itself, it could finally tackle the liquidity problems we've faced since 2017. Has anyone taken a closer look at the tech stack in that article? It seems like they're really closing the gap between non-custodial wallets and Visa systems without the usual banking hassles. The presale's going on now, but I'm way more interested in chatting about the tech itself. What do you think?

That "42-second settlement" line sets off my alarm. Merchants get authorization in seconds anyway, but actual settlement on card rails is usually not "42 seconds to merchant fiat in their bank account," it's "we can swap/hedge internally fast and promise the merchant side feels instant." Which can be legit engineering, but it's not magic. The questions I'd ask (before trusting it with anything meaningful) are basically: where does the conversion actually happen, who custody-touches the funds at any point, and what's the failure mode when volatility spikes or liquidity dries up?