It will be great if Xinja joins POLi so that XInja customers can pay using POLi for online purchases.
Personally, I would put most of my money into my Xinja Stash account IF Xinja is POLi-enabled (and has OSKO/NPP real-time payments).
POLi ( https://www.polipayments.com/ ) is a popular method of payment for online purchases. Money is taken out of your POLi-enabled bank account in real-time and paid to merchants.
Many Australian airlines, CFD providers and online ecommerce websites offer POLi as a payment option as they receive money into their bank account faster (unlike credit cards) and customers do not pay any surcharge (unlike credit cards).