Everything must be a point to point exchange between secure elements. The software simply is an interface between the secure element and any given message service. The SE issues chat commands directly via the NFC interface. Both parties have chat internet addresses a priori.
Can we do the with Trezor? Sure, using the USB port and writing some reverse engineer software for the smartphone app. Plug your Trezor in and tap on the send money app, the only requirement is a Trezor on the other end. Leave your Trezor plugged in, build an online shopping app to take digits straight from the wallet.
If your wallet is staying out, it can have its own IP address. Or it can open and close connections like a cell phone, if it is roaming. But, the free and easiest method is to assume a plain vanilla text service, a chat. Our assumption should hold, this is a two point network and has no congestion, there is no compression of flow. Digits are not co-mingled and the chat exchange does not need priced congestion. It is sort of by definition, a view that says we will take this route for peer to peer and call it person to person cash.
This is the null trading bot, works with null ledger service. The secure element generate the proper token to the text exchange, and both parties observe incoming text. It is the null trading bot because its only function is send and receive text, one at a time. So, I think, we can conclude that all wallets will, by design or add on, support direct person to person bearer crypto cash.
Cash is not going anywhere, holding crypto cash in your pocket is the norm, works like regular cash.
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