All of these products coming out are about a year or two too late, IMO.

Though, what if they came out in 2011-2012 instead of now? Would the US EMV migration be a lot different (e.g. actually delaying the liability shift), especially if some sort of rudimentary tokenization could be implemented? I almost feel like if these were around for the Target breach they would have gotten a massive boost simply because the mobile app could just push a new card number just for Coin/Swyp/etc. without replacing the actual card.