The FRB will use Current companies, most likely, able to encourage new usage of any new payments technologies. Public companies will likely be used universally, current on all statutory compliance and regulatory requirements. The U. S. Federal Reserve System tends to be supportive of its overall, "Sound as a Dollar" public mission and reputation. Non-reporting companies, deliberately having made the conscious choice to damage public faith in banking institutions: Will likely not be engaged going forward. Including them at all will invite immediate, and hyper-intense: Negative press, investigations, special prosecutors, indictments, tar and feathers(?). . .and maybe even cooties and wet noodle lashes!