Hard to overcome the “2-3% back” message to consumers while also cutting the fees for merchants.

Credit card points are a consumer bribe that preserves the credit card system’s hold over payments.

USDC is 10x better for hyperinflation protection and cross border payments.

It’s not 10x yet better for retail payments. I wonder if it can be, and - if not - if we should focus efforts elsewhere.

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credit card points are a very american centric thing. in europe, many just use debit cards, the points game isn't very relevant. china? its all QR codes in e-wallets, again sans points.

usdc payments are like cash/direct debit, just on crypto rails, no credit, per se (and of course, no rewards, per se)