The system must enable seamless payment experiences for users through QR code and crypto wallet functionality. Users should be able to scan QR codes to make payments without manually entering details, send and receive money in a chat-like interface, and complete transactions in local currencies or in crypto. The application should also support Bitcoin and USDT wallets, allowing deposits, transfers, and the generation of virtual Visa cards linked to crypto balances. These cards should enable real-world spending at point-of-sale (POS) terminals in a given region (will be specified in chat) or other supported currencies. For merchants, the app must provide a simple payment flow where they can accept tap-to-pay or scan-to-pay transactions directly from customers’ phones, ensuring quick and convenient settlements. Beyond the core features, the system must deliver a smooth and reliable user experience with strong interoperability and security. The user interface should feel natural. Real-time currency conversion between Bitcoin, USDT, and local currency should occur during transactions, ensuring accurate value exchange. The system must integrate with existing payment infrastructure to serve as a potential POS replacement while guaranteeing near-instant confirmation of payments for both payer and merchant. Additionally, all wallet and payment processes must adhere to high security standards and contactless transactions.