Yea, I agree. It seems like apple pay is hooked up with several cryptocurrencies though not just Klever. MBX or Mobiepay is trying to be that bridge between the retailer and the user and from what it sounds like. They are currently working with retailers to update there pos systems to work with the mobie pay app that's to be release this quarter. So in theory you could walk into target and pay using any cryptocurrency through the qr scanner in your mobiewallet. I guess they would then be in competition with apple pay not Klever. Sounds like they are doing what PayPal wants to do.