The users can spend or withdraw in the ATM and does not need to maintain a minimum balance.
I must say sounds good, unlike in my country you need to maintain a minumum balance of 2k 5k 10k peso but
if you have no money to maintain this kind of amount and you need the bank for remittance and now your card is closed,
now they have Cryptoriya is the first blockchain offer this to make a new platform an easy access and less effort.
but after all this idea was kinda great it can cut a lot of rules just like you say
this is cryptoriya who is part of the cryptocurrency.
what makes the project easily to be implement in any country is the power they have with their cards.
users will have their freedom to choose if either to use VISA or MASTERCARD or even other.
and we all know that these providers are available all over the world.