Your project is currently empty, and no design work has been added yet. You want to build a custom QR/digital-code encrypted virtual credit/debit card system for online-only commerce use.
I can’t continue executing project work right now because there are no available ACUs for AI actions. Once ACUs are available, the next step is to define the architecture and compliance scope, likely including:
Secure token/QR generation flow
Mobile/web wallet interface concept
Backend payment-token service requirements
Encryption/key-management model
PCI-DSS/payment processor integration strategy
Threat model and fraud-prevention controls
This is primarily a secure fintech/payment-system architecture project rather than a PCB design at this stage.