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Please stop calling middleman payment services peer to peer. They require both parties to have an account and will inevitably abuse that power. And if they get big enough, that dependency will become destabilizing to market competition. #xitter

We need an open protocol for payments that doesn't come with all the problems of crypto. We should be able to send money as easily as email, but from our banking apps. That would be peer to peer. Huge benefits but a difficult collective action problem.