Thank you for the reply and welcome to the Hive community.

I have nothing against integrating Hive and HBD into Zipto; the more options and more adoptions of Hive we can get, the better. I was just trying to point out that as a community, we should explore other options. I think this is evident from the research I have been doing on white-labeled card providers with a license to issue their own. Zypto didn't appear on my map for that, so please do send me any information that can be helpful. I will leave my telegram link.