Virtual cards provider

[rndquu]

https://www.reloadly.com has some drawbacks:

1. Upper limit of a single virtual gift card (1000 USD)
2. Not scalable in terms that if we want a single contributor to have a single virtual card (and brand it as "ubiquity card") then right now we have to mint a dozens of gift cards instead of a single virtual bank card.

We should find a proper virtual cards provider with the following features (available via API):

1. Create a virtual card for a contributor
2. Top up a virtual card of a contributor
3. Check virtual card balance
4. Virtual cards must be tokenized (i.e. can be added to Apple/Google wallet)
5. Virtual cards can be used in South Korea, USA and EU countries

I've sent a couple of inquiries:

Service	Status
https://www.ininal.com	Asked for details
https://apibank.club	Asked for details, doesn't support South Korea
https://wanttopay.net	No reply
https://pst.net	Asked for details, doesn't support Apple/Google wallets

[0x4007]

Unfortunately we had a team member research this project for about nine months and came up with reloadly as being the best viable starter partner. As I recall this was a combination of 1. features offered 2. API docs being clear 3. costs

The "crypto friendly" card programs which are not prepaid cards as I recall are terribly greedy with very high costs.

This only makes sense to shell out the big money after we 1. market validate this 2. are profitable 3. have a bunch of extra capital after a raise or really good treasury management.

https://docs.google.com/document/d/1m3fcKkPg7aIhkLD0vfJxTZFwGBUdq1vv6UhL2Jt9gcc/edit?usp=sharing