Why would I want to be further locked into Apple/Google’s ecosystem? Sure its convenient, and I also work for Big Tech, but my idealistic self tells me that value infrastructure should be owned by no single/oligopoly of central entities.

They also don’t provide a digital currency - its an abstraction/wrapping for the native countries currency. In my mind sufficiently decentralized (sybil resistant) currencies are the only true digital currencies.

Also as an aside given the top post on Stripe atm, I want to see decentralized identity take off - its a better use case for DLT imo. The networks security would come from the token value of an underlying crypto.

https://stripe.com/identity