In its simplest terms, Carbon (the existing Smartcoins Wallet, but from v2.0 forward) is just a mobile wallet for the Bitshares (graphene-based) platform with native support for 5 additional chains. Rodrigo Crespo (the BitShares Munich CEO) is busy right now opening up a subsidiary company that will facilitate fiat currency support for our apps too. So once the lawyers finish with all their damn paperwork then we can probably add the credit card purchasing option you mentioned too :)
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