I think that merchants should NOT have to pay 2-3% in tx fees. TO do this I had to build a mobile app (the pay interface side) and QR codes that can run anywhere HTML does (the receiver side).The next step is a free POS that has 0 fees to accept stablecoins from the payment app side.Is there a market for 0 tx fees, free signup, and 0 hardware POS system for the underbanked, unbanked, and current users of traditional systems?