Freedom!! All we need is an "app" that lets me walk into a store & paywave / paypass on the terminal.

(app takes coins from my account & auto converts to whatever fiat/?? the merchant accepts.)

It can't be far away? Has to work globally & maybe piggybacked on visa/mcard/eftpos or something but with no 'accounts' required.

Straight from my mobile wallet to merchant =>>> FREEDOM!!