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I don’t disagree that there are other forces aside from market forces. In the case of people paying via WeChat though, it is legitimately market forces. If you don’t use WeChat, pe…

If you think multiple layers in a payments system is undesirable, I wonder whether you make all your purchases online by putting dollars and cents into envelopes and mailing them t…

I can’t speak to other cryptocurrencies. But at least re: Bitcoin: 1. International settlements of any sum of money (small to large) in 10-20 minutes instead of days 2. Markedly lo…