I would use much more Revolut if the trust in the top-up process would be faster and clear for the huge amount of differend banks (it’s not trustfull to read through the Community-feedback). Why not ask existing cashless systems for a cooperation. Let’s take as example TWINT in Switzerland. All supermarkets from one of the tallest company installed terminals. Also in post-offices all around the country people can pay with TWINT. However; Only a few people use the system though terminals are everywhere. Besides the payment with terminals they transfer money through QR-Codes. Now, may they are willing for a commitment to open the system for non residents of Switzerland. With TWINT it’s possible to instantly send money to another user through phonenumber (simmilar to Revolut). To have success, as many people as possible needs to register. Also here simmilar to Revolut. If TWINT decides to only work in Switzerland there’s another cashless system called tapit. I don’t know tapit but they aren’t on the market anymore and may Revolut can buy the knowledge and found former staff-members. That’s just my view of the very, very small market in Switzerland. Outside our country there’s tons of other cashless systems. An example should be found in north of Europe. I just know that the percentace of cashless payment (besides credit card) is quite high in Sweden. May someone there wants to cross the border and grow outside the home-market?!? A combination should be publicity for both, means a possibly win-win-situation. In search of a top-up specialists and Revolut as specialist in currency- exchange. A way direction less dependence from the banks. Beyond banking…