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> Am I to believe that the benefit is "lower transaction fees"?

I don't intend to speak to various other merits (or the lack thereof) of Libra, but to this: yes?

Of course! Transaction fees are huge. If you are operating in a razor-margin business, which more and more businesses are these days, then it adds up.

FasTrak, the Bay Area toll processor, charges your card when you drop below a certain balance, and also charges you what they think your average monthly rate will be. Why? To avoid excessive transaction fees on every toll eating into their coffers.

If the only way to buy something is Libra, or if merchants prefer Libra, then folks will be using Libra. Just look at how much market share PayPal has conquered, and they're arguable garbage.

If you can substantially beat PayPal, you win.



There's already a feeless, decentralized cryptocurrency which settles transactions in less than a second.

https://nano.org

Libra's selling point will be FB's onboarding of users. It would not be unreasonable to expect dark patters there.




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