💳 Kreditkarten sind eine sehr amerikanische Angelegenheit. Ihre Geschichte reicht bis in die Mitte des 19. Jahrhunderts zurück. Sie beginnt mit kurzen credit reports, die die Kreditwürdigkeit einer ökonomischen Person bewerten. Das zweite Kapitel meines Buchs folgt den daraus entstehenden Objekten und Infrastrukturen kleiner Schulden: charge coins, charge cards, Kreditkarten ohne Plastik – und mit. Wie sind #Diners Club, #Amex, #Visa und #Mastercard entstanden? 📚️

2/ #digipay #lbm26 #bookstodon

@DD3AH +9001%

Wer gegen #VISA, #MasterCard & #PayPal sich durchsetzen will muss für #Händer*innen wie #Kunden* nachweislich besser sein!

Also:

• Günstiger (von der Gebührenstruktur mindestens auf dem Level von #SumUp sein und ≤2,5% pro Transaktion kosten - ohne #Grundgebühren oder anderen Bullshit!)
• Bequemer (so reibungslos wie PayPal oder ne #AMEX swipen)
• Besser verfügbar (#global angeboten und zumindest für alle #SEPA-Konten direkt automatisch ohne Extrakosten verfügbar sein! Wenns schwerer einzurichten und weniger global verfügbar ist als PayPal ist's kein Ersatz!)
• Schneller (Auf dem Niveau von #UATP-Karten. Wenns länger dauert als #Monero ist's selbst für #Gastronomie, #Hotels und #Autovermietung zu lahm!)
• Sicherer (wie #GeldKarte mit #PIN seinerzeit bzw. #Chip+PIN Debitkarten!)

Für mich wirkt die Umsetzung von #wero wie #Selbstsabotage.

• Ob durch #Gier, #Ego, #Inkompetenz oder #Realitätsverweigerung ist irrelevant!
  • So wird das nur zu ner Totgeburt mit weniger Akzeptanz als #JCB, #UnionPay, #AliPay, #WeChatPay in #Deutschland!

@Sarahw @acesabe @EUCommission You see the problem?

[...] yet most people still don't know about it.

• Until #wero is as convenient and widely accepted as #AMEX, #VISA, #MasterCard, #PayPal, #ApplePay, #GooglePlay, #AliPay, #WeChatPay, #UnionPay and #JCB combined, noone will give a damn!

  • I'm pretty shure there are more than 47 Million users of #Monero in the #EU alone, and I'm not even talking about #Shitcoins like #Bitcoin which are being spun for those that consider Solver, Gold and Platinum to be "peastant's investment"...

• Add to that, it isn't even an independent and sanction-free system compared to even Mir, AliPlay, WeChatPay and UnionPay, as the #US government is still able to commit "#EconomicMurder" simply for "#vibes" as @RoteHilfe learned.

@F3715H @JuxGD I second this one.

1. Obviously #Monero peaked recently because everyone who can is dropping #USD for #XMR and is #GTFO'ing the #USA due to #Trump...

2.I've seen "#ProofOfStake" #Shitcoins like #Ethereum and #Solana with setups that are way more wasteful, expensive and #hoarding of hardware like #RAM and #SSDs [the latter one being basically destroyed due to extreme #IOPS].

• I've yet to see any credible evidence of commercial #MoneroFarming / #MoneroMining to exist to a scale even remotely as close to those #Shitcoins with entire #Datacenters dedicaded to them (I sadly can't divulge more due to NDAs)...

3.If you have no problem with #AMEX, #VISA, #MasterCard ¹ (and espechally #PayPal!)² ³, then you shouldn't have a problem with Monero either!

• Yes it is a #cryptocurrency, but it's the "least worst" when it comes to #privacy, #centralization and some study seem to hint that Monero and the DNMs that use it actually reduce #StreetCrime and #Violence as they allow #NonviolentDrugOffenders [aka. #VictimlessCrimes] to be facilitated safer and in a trustless envoirment.

• The Problems associated with #Monero are not due to the fault of Monero. It's what people do towards other people. Whether they do it for XMR, #Dollar, #Euro, or whatever doesn't make it better or worse than whether someone threatens a person with a knife or a rifle: Both are equally bad in the eyes of the law and society for all the righr reasons!

Also Monero per it's very design CANNOT be abused for "#SmartContracts", #NFTs and associated #malware - in fact the #developers of Monero removed any such ability by deprecating and disabling the tx_extra feature.

• So in that regard, Monero by it's privacy is IMHO more ethical than even a #BankAccount because unlike a #Bank and like cash, #SelfCustody of it gives YOU 100% control over the funds, which is important amidst #Debanking attacks by the #Trump-Regime against opponents around the globe! Something @RoteHilfe found out recently...

#USpol #NotFinancialAdvice #payments #money