Visa processes transactions much faster, is accepted universally, has AML/fraud/chargeback insurance, and costs about 2.4% of transaction volume. This has none of those and transaction costs are TBD. I’m not trying to be a sceptic but I’m not yet convinced. “It’s decentralized” is not an argument unto itself and certainly not an argument of functional superiority. If anything it’s slower, harder to use, and more risky. I don’t care if my payment system is on Visa or AWS or a blockchain. I care that it’s fast and secure. I care that when a merchant defrauds me I get my money back.