Can you share more of that vision? As a well-off US consumer, things are fine. It takes me seconds to pay in person. It takes seconds to pay online using either of the wallets or via almost-direct entry with 1Password.

I get that I/we have ceded control of funds flows to card networks like Visa and processors like Stripe. Even if I didn’t work for Stripe, I would be okay with this as a merchant due to the convenience.

What am I missing? What do you envision is better for consumers and/or merchants?