I dunno if they have defined the protocol with respect to smart card. The easiest definition is a signed account entry that can be submitted by the account holder. The they chain up and we get a lightening network.
A better way is to have a correspondent hot wallet with a trusted miner and defined a fulls cash protocol. When the cash users want the block chain market, they request an exit from the trusted miner account. The easy way to do this is repurpose, and simplify Swift cash. Build a short trusted miner correspondent bank net to handle cash in and out, all encrypted. Like master charge, or even center it around an automaed S/L.
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