Being the problem the bridge between fiat and crypto, maybe the TQ concept becomes more interesting. I believe they first convert to VIVA, and use that as the main currency. And perhaps the first conversion to VIVA is done automatically, so to speak. You just send the currency to their bank account, and they deposit VIVA in you TQ account. This is just my speculation, I haven´t been able to do that yet. I´ll do a small transaction and see.