IOTA has 0 fees on transfers.
IOTA theoretically in the future will be near instant transfers(even now they're still very fast)
IOTA is quantum proof, something future cryptos will have to resolve.
IOTA has a HUGE team full of very smart and proven individuals.
IOTA has a very large total...
What you just explained that you want is literally "IOTA". Groundbreaking tech, in the beta phase and already catching the interest of HUGE companies, i'll be writing up a post about it later to see what others think of it.