The problem as I see it is that "loading" a card with NXT is not possible. It still needs to be confirmed on the network when it's spent and doesn't matter if it's a card, a cell phone or whatever. If the transaction speed is too slow it will never work for Point of Sale without merchants taking a leap of faith, off chain transaction verification (trusted 3rd party)
TF is the big selling point of NXT. It's why I became interested in it and purchased some because all the "literature" promised it.
Seems like a lot of indian giving might be happening. NXT seems to be in danger of becoming a slower version of RIPPLE if TF doesn't happen.
I was liking what I was reading about parallel block chains though. That gave me a little hope.
HODLING
I know it is not possible. It would take some work to do. But right now Instant network transactions are not possible. I am just trying to gage the effectiveness, and expenditure of resources in relation to the benefits of the outcome of making network transactions instant and provide a possible alternative solution for comparison.
The same as CFB is offering "parallel block chains" as a solution for comparison. I don't know anything about code writing or programing but I do know something about traditional payment services, so this is why I present this possible solution.
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Could you point me to that solution of yours?