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    Hi HN! I’ve been frustrated with traditional payments for a while. Paypal has frozen my funds on two occasions; and in one of them the funds were never recoverable. When I’m not using PayPal, international bank transfers take days and charge me insane amounts. Also, every country usually has their own payment app parallel to the banking system: Portugal, where i currently live, has MB WAY, Brazil has PIX, Argentina has Mercadopago, the US has Cashapp. None of these work with each other. Money still feels like pre-dotcom era tech when it should feel like a whatsapp message: send instant,…

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