Basically it works like a bank, where you make deposits and get the funds by direct methods. It is possible to make payments with the card in any store where they accept a bank card, however the project has a long time in development I think it should be more advanced. It is basically in the face of proof for such a reason is to say that it could improve participation of this project since most of us who have cryptocurrencies also want easier ways to use them and without complications, for this reason I see tokencard as a great project to finalize its platform and reach a mass use.