Time New Bank (TNB) is an ERC-20 token that is currently undergoing a gradual swap to its own mainnet. This is the settlement token for transmitting assets based on value of time. At the time of writing, you can trade an Ethereum-based TNB token against USD on the Bitfinex exchange.
BitBay (BAY) digital currency has been developed since 2014 with the eponymous market place being in operation from 2015. The coin is now listed on a few exchanges. You can purchase BitBay with fiat (hard) currency, such as USD or EUR, using a bank card.