| 0.5% protocol fee with no traditional card network intermediaries. |
2–5% transaction fees charged by card networks and payment processors. |
| On-chain settlement in seconds. |
Settlement in 1–3 business days. |
| Self-custody by default. Merchants receive funds directly in their own wallet. |
Merchant funds are temporarily held by banks or payment providers before settlement. |
| No chargebacks. Transactions are irreversible by design. |
Chargebacks and payment disputes are common. |
| Anyone can join and earn. |
Access depends on banks, acquirers, and regional payment infrastructure. |