[bufferoverflow]

Both Line Pay and WeChat Pay are centralized systems, nothing magical about them.

[yifanl]

To the end user, what difference does it make?

[bufferoverflow]

In a decentralized system no goverment or private entity can freeze your money. Your financial status cannot be used against you from getting financial services.

[numtel]

A decentralized system is more likely to continue for a long time where if run by a single company, it could be shut down or changed very quickly.