Walmart is our best retail banker

They sell retail stuff.

They can sell and bond the new cash cards. They can run an auto S&L against their inventory in a closed environment.  The intelligent cash card, well done, is an immense draw to the brick and mortar. It offers buy and sell auctions, right their on the Walmart floor, silently and automatically. The customers walking and trading in glee with their intelligent beacon readers, clicking away.

But Walmart savings, points gained by saving are just as exciting, and the retail savings kiosk is right their, like any other Walmart good.  So Walmart can price discriminate, attract the most promising customers at low risk for future delivery.  The intelligent card, it lights up green.    Thus, the counter sales are not front loaded, lookyu loos. There is a slight deficit in inventory, unobservable that counteracts the effect.

Walmart is technically competent

Second to none, they have traveled he road along with the rest of us. They have one of the best teams. They could architect the sandbox in a closed environment. Even on a trial basis, do a deal with a wallet vendor, try out end to end integration.  Customers reserve space up the supply chain, the less they jitter, the lower the volatility.  Using the general concept of digital certificate, Walmart can try everything from coin to discount point to discounted product futures to Walmart shares, right off the exchange.  They got all they need, in house, to be systems integrator.