Shift Payments, a Y Combinator-backed startup, is testing a new breed of debit card that aims to make it easier to use digital currencies, cryptocurrencies and loyalty points in real life. Currently integrated with both Coinbase and Ripple accounts, and with plans to add support for regular money and loyalty points soon, Shift aims to develop a truly universal payment solution for both online and offline. Although several domestic banks has raised concerns about its practicality, this debit card by Shift points to a possible future where virtual currency converges with the existing monetary system.