[pants2]

You can just send a transaction from your exchange.

Like, let's say I want to send you $0.10 right now. I would just go into Robinhood and send 0.1 USDC to you on Polygon or Solana, that would arrive in your wallet instantly from a Robinhood-owned address, you would have no idea who I am or my previous transaction history. Robinhood also owns the private keys and account recovery process here - it's just using blockchain as the payment rail.

Go ahead and post your address and I'll send you $0.10.

[johannes1234321]

Okay, so the solution is to use a bank, not Blockchain money.

[pants2]

But you can't send $0.01 instantly and anonymously with bank rails. The solution is to use a crypto exchange on crypto rails - just not a regular crypto wallet (you could, but perhaps not very user friendly)

[_heimdall]

Isn't that just turning the exchanges into unregulated banks?

[pants2]

Many exchanges are regulated, but maybe not as banks. But yes you're trusting that exchange with your money. If used for web-micropayments it shouldn't be much of an issue though.