it's fine if you want to reframe my recent use-cases, but you're still missing the settlement layer. every time you use a credit card, the merchant gets 2 ~ 5% less than you pay
settling over bitcoin is faster and cheaper than any existing rails
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I agree it's better to use the BTC network as a fast payment system, and it's good to see the use case in action. The merchant needs to hold BTC; otherwise, he would use a permissioned settlement, which is as bad as Visa and Mastercard.
There are also other solutions to the Visa and Mastercard problem. PIX performs well against Visa, but is very bad for Brazilians.