Crypto is a relatively transparent industry; what anyone does can be seen on the blockchain scan.

Payments are an extremely opaque industry, with layers upon layers of channels taking their cut.

I think that if we could use crypto technology to make payments more transparent, efficient, and valuable, it would be worth considering. Now, after the off-ramp, it feels like going through traditional payment channels to provide services is following an old historical path.

It would be great if there were a solution to pay merchants directly with crypto, scanning it directly from the wallet, bypassing all traditional payment networks and channels. It's worth imagining.