I believe in the goals and objectives of MCX but it has failed to align with the proper technology. The generation of a whole new payment method using proprietary technologies is a loser - it simply doesn't make sense to build a new infrastructure in a vacuum when there are better, more secure and flexible options emerging. The reality is that Bitcoin technology can provide everything MCX wants and needs (and the technology is available today). What's missing from most peoples understanding of Bitcoin is that it's not exclusively about the "bitcoin currency"; the Bitcoin network and related Bitcoin blockchain technology can and will provide deep competition for all the card networks as well as CurrentC. These technologies will launch with global reach and appeal and will blend in seamlessly with the world's currencies and sale point of interaction systems (online and in person). Fungibility and liquidity are vital to the success of any currency; people don't want more choices, they want more flexibility. They also want security, which you simply cannot get with centralized solutions (period) -- stop storing consumer information. MCX should adopt Bitcoin blockchain technology as their foundation with the goal being able to issue and manage *any* currency on a Blockchain and to perform *every* transaction type (buy, loyalty rewards, etc.) in the network, regardless of currency type, on worldwide open blockchains. An open, programmable Bitcoin blockchain technology capable of managing *any* currency is precisely what MCX needs - to achieve organic growth and adoption will require an "app store" atmosphere built on top of this foundation.