If your wallet is bursting at the seams with credit, gift and loyalty plastic, the Coin universal card is supposed to lighten the load. Just add all your information to the app, sync it with Coin and get ready to buy all the things with a swipe or an NFC tap. Except when you can’t. While the premise and feature set are intriguing, and in some cases helpful, in practice, it feels like too little too late. With Apple Pay, Android Pay. Samsung Pay and others already working on the future of transactions, Coin might might have missed the boat.