Crypto coins that are tied to the dollar, mostly. Easy to do if you can get banks to support the endeavor. Some problems of trust have solutions, it works; you get a digital coin worth one dollar, and can be exchanged into your fiat account with no real congestion except the fiat itself.
If I am a fiat bank, and support the scheme, then why not just support robotic control of the user account? Give the user a script language, and set up a private key in the customers key fob. The deposit is available, on demand, from the Swift ledger system, but the contract can be passed, split, and recombined like bearer cash, it will be in the script.
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