Maya grinned. But the true test came that evening.

The website paused. Then a red error: “Your bank requires additional verification. Check your app.”

She refreshed the rental car page, clicked confirm once more, and this time:

“Tap or insert?” Leo asked.

She held the new card over the silver terminal. Beep. The screen flashed

She paused. She had the same PIN as her old card, but muscle memory took over. She typed it in. The machine hesitated for half a second—then spat out $100 in crisp $20 notes.