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There is no better time to push for a third payment processor. One that focuses on privacy ( although may not necessarily be anonymous ), smaller amount, maximum of $800 per transaction. Wanting to buy a few hundred dollar worth of goods in modern day does not need to neg or kowtow to some payment companies.

Japan has Suica, Hong Kong has Octopus. But I wonder why a lot of these never made their way to online payment. Something I thought Apple Cash would do. But somewhat never materialise.



Anything run by a major corporation will lead inexorably into predatory financial trickery and tyranny.

US credit unions need to band together to launch a nonprofit, co-op P2P cash, credit card, and debit payment app with:

- a Stripe-/Shopify-easy payment processing backend

- low-cost, open source NFC terminals that integrate with conventional brick-and-mortar registers




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