YD...you have been a follower here for sometime. Therefore YOU should know that there was a completed card sometime ago. NOT as technologically advanced as todays card is, but one that would function at a POS terminal.
Since R&D continued to make The Card what it is today, I believe Chaya was wise and magnanimous NOT to go forward with a 1st generation card--a card that, for example, required to be recharged for continued use. Unlike many corporations which bring out a product then continue to upgrade and improve it--how many Apple phones or Fitbits have you bought--it seems to me Chaya did the consumer a good service by waiting for the Best to be sold.