Why hasn’t Cash App become a more dominant way of paying merchants? They have significant advantages: 57M MTUs and 4M merchants.

Why would USDC surpass it?

clicking @clickerxyz (a @daylight ░░░░░░) | kylemccollom.com

Consumer habits require a lot of excess utility to break

Working on Farcaster and Warpcast. Longer thoughts at https://dwr.email

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

For a certain type of transaction, no fees and no cashback makes sense: 3% back on a coffee or lunch makes zero difference to me but not paying 2.5%+0.30 makes a huge difference to a coffee or lunch owner