Er, it’s a fact. Anything post 2020 is a fraction of a cent.

For exactly what? Show the lowest cost provider in "traditional finance" and the cost using some blockchain for an end to end transaction that someone actually wants to do.

Sure: retail payments or international remittance - find the cheapest tradfi provider and we’ll go from there.

ACH costs zero and some retailers accept it and more and more now with FedNow.

International remittance - atlantic money does $3 or something flat. By the time you get your cash into a crypto exchange and out, you are hosed for more than $3. If you can be bothered to open an account with someone like Interactive Brokers (yes, a traditional online stock brokerage) you can do it for about zero - you get wholesale FX prices and you can deposit/withdraw money from various accounts as long as you have all the paper work in place - annoying, but doable.

Again, a couple entries into relational databases, which is the true underlying cost structure of "traditional finance" is really hard to beat.

> By the time you get your cash into a crypto exchange

Why would you do that?

Then, go ahead and explain, in some detail end to end, with costs, how to do the things you brought up. You aren't going to beat the underlying cost structure.