[nomilk]

Could crypto help here, at least for customers who have some in a wallet ready to use?

When I checked about 2 years ago, transferring bitcoin from one wallet to another was negligibly cheap, although I think it took about 20 minutes for the seller to be certain that the bitcoin had been sent to them (too slow for most website payments).

Curious to know if crypto could solve this problem though, if not now, maybe in the future. If some of the 9% fees were passed on to customers in the form of lower prices, it could be quite appealing and give a price advantage (if only a few %) over competitors.

[withinboredom]

Crypto is too volatile to really make day-to-day purchases realistic.

[mattdesl]

USDC + L2 would be a suitable protocol for day-to-day purchases and nearly 0% fee, at least for those already in the system. But most of this tech is still basically in beta.

[adeelk93]

I saved your comment to reply to when USDC collapsed - sooner than expected!

[mattdesl]

USDC hasn't collapsed, and it never should (or at least, no more than any other financial services you use daily) if it is properly regulated by US enforcement agencies.