Surely you want any company that offers a prepaid credit card to be regulated, so that you can be extremely sure they won't just take your money and run.

And what really is the difference between a prepaid credit card and prepaid credits you can use at a large selection of tech companies. (Legally there is no distinction)

The problem is the constant charge part that comes along with the percentage part of commissions that payment processors companies takes.

Spending 100$ in 1 dollar each transactions mean I end up spending extra 30$, on top of the percentage charges.

A system based on tokens only takes the percentage part(as expected), but the constant part is added just once.

It opens up per-request charging model, across service providers.

This benefits both: the consumers for obvious reasons, and sellers since now customers don't have to "commit" to subscription or a large charge for a servive they may or may not use or continue.