Aped $vcash here. @velyncash is a payment-first neobank architecture designed to bridge the gap between digital asset management and real-world retail utility. Unlike traditional banking apps that treat payments as a secondary feature, or crypto wallets that lack point of sale (POS) integration, Velyn is engineered as a unified "payment rail" that standardizes how value is moved across different physical and digital interfaces. - is built on a non-custodial, account based platform. This means users maintain full ownership of their funds (often on-chain, specifically within the Solana ecosystem) while interacting with a clean, high-performance web and mobile interface. - What makes Velyn stand out is its "Six-Method" unified platform, which integrates three primary hardware/software interaction layers: > Dynamic QR Payments: For instant "Scan & Pay" scenarios, both in-person and for e-commerce. > Utilizing mobile device hardware for "Tap-to-Pay" transactions with biometric (FaceID/Fingerprint) authorization. > A physical "Velyn Card" that allows for seamless transactions even when a mobile device is unavailable or powered off, with all spending limits managed via the app. - addresses several critical friction points in the current fintech landscape: > Payment-First Architecture > Instant Settlement > Security by Design - velyncash allows users who hold digital assets to spend them at physical merchant locations without the merchant needing to understand the underlying blockchain technology. Velyn uses a Hardware-Abstraction Layer (HAL) to ensure that whether you are using a smartphone or a physical card, the backend treats the transaction identically. - NFC (Near-Field Communication): > The Mobile Vault > Biometric Handshake - RFID (Physical Card): > Passive Interaction > Cloud-Synchronized Permissions Traditional payment settlement takes 2–3 business days due to the "Batching and Clearing" cycle. Velyn moves to a Real-Time Gross Settlement (RTGS) model using blockchain rails (specifically Solana) as the underlying ledger....