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Innovating in cards is a masterclass in overcoming complexity. A card has to work perfectly. Not “most of the time,” not “good enough.” Every. Single. Time. It’s the gold standard of payments. (Meanwhile, wearables and phones get graded on a curve.) Cards are tested to absurd extremes. Picture a low-power terminal, and your card has to work hovering 4 cm above it. That’s just the baseline. Then, add luxury: it’s not enough to be functional. A metal card has to feel smooth, solid, and heavy in hand. And finally, scale. You’re not making boutique prototypes; you’re manufacturing millions with perfect consistency. Functionality. Elegance. Scalability. These layers combine into third-order challenges every time you try to innovate. But when you nail it you’re holding more than a card. You’re holding an experience.