This is Team SmartCash on Steemit... this is just a team in place as a fun way to reward people for posting articles (or translating articles on Steemit) so they can earn tips for each post they make and take part in competitions that we have here on Steemit.
We have plenty of funding for advertisement and other things, you can see our Community Treasury on the website, which anyone can create a proposal to access.
If you want to know about things like InstantPay and merchant acceptance, I suggest you do some research and look at the website, you can see the roadmap on there as well - and also information about what you need to mine.