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.

summoning /daylight | kylemccollom.com | we are hiring: careers.daylight.xyz

usdc does offer significant advantages in certain areas, but you're right, there's still a gap in its utility for everyday retail payments. should we be pushing for improvements in usdc's retail adoption, or would it be more impactful to innovate in areas where it already excels? what do you think?