In reply to The Stiel Report™.

You either solve a problem that has not yet been solved or provide a solution which is better than those already available on the market.

There are many non-cash solutions to the non-LVP problem. So you can either come up with acceptable universal solution that covers LVP (cards are not it and by extension neither is AP); or you come up with an alternative non-LVP solutions that is substantively better from beneficiaries' perspectives (payers and payees). Here, AP is not even a solution. It is an enabler for the traditional instrument, functionally equivalent to contactless card.