Whether or not this keynote is a big news I fail to get how the "no fees" narrative is acomplished.
Let Say I have a FIAT or Crypto Virtual Wallet on the App.
I send it to the merchant using BTC as an asset and lightning as the network.
How does the merchant end up having dollars on his bank account ? Third party bank have to be involved here.
How can the process be fully done free of charges ?
I'm probably missing something.
The App is also providing a service . How is it free ?
The payment processing company is providing a service too. How is it free ?
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