I would like both options and an extra option.
The default could be a empty cold wallet and if the user wants to get a card with stable coins in it, the seller could top up according to how much the buyer wants - of course, with a minimum sum of like $5-10.
Reason being is that for example, if it was already topped up with $20 but the buyer only wants $5-10, then he won’t get it - this is a case of inflexibility which made us lose a potential customer.
Easier adoption only comes with a range of flexibility. - I have seen multiple times in real life situations where different consumers prefer to top up different amounts.
- Different circumstances
- They are buying different items which cost differently
- Students may not be able to afford $20 above pre-paid
Statistics show that the newer generation are more keen on using crypto as payments and are more interested in crypto than stocks.
Once again, this is about mass adoption and the goal is everyone but we are also supposed to target the market that have majority of the share and are also easily willing to convert to crypto payments which is → students.
In Singapore, we have a lot of similar type of cards like these.
For example, we have a Banquet Card which we can use at food centres and everyone have the option of topping up whatever amount they want.
There are a lot of cases where buyers avoid cards that doesn’t have options because of the inflexibility of not being able to top up how much they want - it was already topped up with $20.
For examples, students won’t be able to afford them etc. If we are talking about mass adoption, there has to be flexibility in options.
There are a few scenarios.
- Buyer prefers pre-paid card with a fixed amount
- Buyer prefers blank card - Top up themselves
- Buyer prefers blank card and wishes for the seller to help them top up a certain amount
( Hassle-free for seller and has the option to top up the amount he wants )
This is a common service provided by 7-11, our public transport, food centers & many others in Singapore where consumers have multiple options for card usage.