I think it's nifty that PAY token holders get a cut of all the transactions, and that users also get PAY tokens on every purchase, but I'm not sure it's such a good idea for the TENX network to be so dependent on the legacy banking system.
What If I use my TENX card/account to support Wikileaks or some other organization that the US government doesn't like?
Remember how PayPal, VISA and MasterCard were pressured by the Justice Department to cut off funding to Wikileaks?