this post was submitted on 22 Jun 2024
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Mildly Infuriating
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No one I know has venmo. Most people I know wouldn’t even know what venmo is. I’m not even sure it’s available here in Europe. I believe it actually isn’t, can’t find it on the AppStore.
And Google pay and Apple pay are nice and I personally use them but I’m not always on a device that supports them, I’m not always on shops that support them and I know a lot of people who don’t have credit/debit cards, only giro cards, and those usually aren’t supported either. And, at least in Europe, you cannot send money to friends via Apple Pay or Google pay.
In EU, you need to use PayPal at all.bank transferes are instant, banks provide disponible debit cards , you can use Google pay Almost anywhere, which keeps your Privacy. Where is that you NEED to use PayPal in EU?
Instant bank transfers cost me 49ct each and for most people I know it’s similar. PayPal is free. And I already use Apple pay, why would I use Google pay on top?
Does you bank have an option to send money for free? Mine does l. You just download their virtual wallet app and you can send instant transfers for free from that app to anyone that uses the same service. And most banks here offer it. They call it FLIK and it is really convenient.
I can send money for free but only within 2-3 business days or to accounts at the same bank. Instant transfer to different banks costs 49ct
Time to switch banks?
That’s not uncommon here, though, unless you pay for your bank account.
Ah that kinda sucks
Revolut, n26 try any bank whicubisbgood in online or the BIGGER names mostly has instant transfer, in my experience its the middle of road banks that are taking time .
I use PayPal for their dispute feature. Bank transfers using ideal are usually final, while PayPal will charge back most of the time until the dispute is resolved. It gives you a much better position as a consumer to deal with shady companies.
Where I am from everyone used Venmo... I never wanted it, I had PayPal forever due to ebay I think in the 2000's so why did I need another service that did the exact same thing as PayPal and it's even owned by the same company! Sadly, I lost that battle and caved. Idk why everyone said let's use venmo or why it got big, but I'm stuck out of convenience for others now.
Personally, I love Zelle the most since it's a direct transfer from bank account to bank account and available immediately without the 2 day wait like the other services.
Monero
So, crypto?
Absolutely. It is absolutely the future of finance.
And Twitter is absolutely the future of social media!
See, we can all post statements that are clearly detached from reality and entirely incorrect.
I know one person who owns crypto, no shops that take it and I know of too many people who speculate with it. If it is the future of finance, that future is still fairly far away.
Well now you know two people who use crypto and I use it as money. I don't speculate on it. I buy my groceries and pay my cell phone bill and pay my insurance with it. I recently bought a Taylor Swift album with it as well.
I don’t think I could buy my groceries with crypto if I wanted to. What supermarket takes crypto? My phone provider wouldn’t either and my insurance is deducted directly from my paycheque because that’s just how it works here.
Instacart has giftcards you can buy with crypto and so does my cell provider. Sure, you absolutely could say that they don't accept it directly, and you would be right. However, I still get my groceries in my refrigerator, and I still get service on my cell phone. So, at the end of the day, does it matter?
It’s an extra step. Two extra steps actually. I can go to the store and pay or I can exchange official currency to crypto and then exchange it again to giftcards. It’s good that the possibility exists, since it’s de facto untraceable but it’s inconvenient, slower and frankly unnecessary for most people.
That's true. Once people start getting paid in it, that's when it's really going to take off. I don't think a majority of people will be paid in it until such a time as their national currencies start to hyper inflate. Ask a person in the United States, Canada, or Europe, if they would want to be paid in crypto, and the vast majority would say no. Ask a person in Zimbabwe, Argentina, Venezuela, Lebanon, etc. If they would like to be paid in crypto, and I'll bet you'll get a whole different answer.
And then, who says what crypto will be used? Bitcoin, Etherium, Monero, Dogecoin, any of the other dozens?
In most cases, it will probably be Monero or Bitcoin, primarily because those are proof of work, which means you actually have to put energy into it if you wish to break it. Keep in mind that once you have any crypto, it is extremely easy to get from that crypto to any crypto you desire. So even if your employer paid you in a crypto you did not like, it would be extremely easy to switch it into the crypto you do like and wish to use. I don't use Bitcoin for example but I would absolutely take a job that paid me in Bitcoin and then I would immediately take that and convert it into Monero and I would use that and it would take me very little time to do so.
Nano is great cause there is no fee
And how often do you end up paying more on real money due to the delay in transactions or awful gas fees for your transaction?
Crypto being a common currency is about as likely as Gary Johnson winning the presidential election. The average person is going to take up crypto as much as they use Tor. Both have their uses, but neither one will ever be mainstream.
I think that's the fundamental disconnect. You may not see it as money, where I do, since I can buy the things I need to survive with it. And I can buy the things that I enjoy with it, which makes it money. Fees have never been a real problem. I mean, 1 US cent for a transaction is nothing
Edit: You and I would be unable to make a trade because we cannot agree on what is valuable. I do not value fiat currencies and you do not value crypto.
And you don't see how your comment is one of many reasons crypto isn't the future of money?
Honestly, no. The only money we've had in the past that even compares is when we were actually using gold and silver. The problem with those though is that they cannot be stored or sent digitally without the help of a third party whom you then have to trust. Crypto is the future because it has the same value whether you're in Caracas or Chicago or London or Moscow. It can be transferred anywhere in the world in seconds and settles within 20 minutes, not three business days or more such as the banking system. It is a bearer asset that nobody can take away from you without force and no government can inflate away and leave you poor.
Meaning your money can be stolen and it's gone forever unless you convince them to return it
Unless your wallet's password is cracked, then you're fucked and have no recourse. There have been so many issues with wallets generated with a bad algorithm that allows people to break your phrase easily and leave you without anything. And that's not even getting into hot wallet issues where you get rug pulled and they steal all your money or you decide to give your money to someone like SBF and the whole exchange does down.
There are so many examples that disprove this statement that it's honestly hilarious.
No, instead you can get left poor by some scam you fell for and have even less recourse to get your money back than if it was the government.
Can you go to a random store and buy food or goods? Can you send it to your landlord for rent? No, only a small sunset of orgs take it, because everyone else understands that shit like transaction delays and inconsistent gas fees means it's impossible to effectively run a business on monopoly money that doesn't have a set worth.
You can consider it to have monetary value, and I do insofar as you're playing with an unregulated security that should be taxed, but it's not money in that you can buy an arbitrary good for sale. You're playing with monopoly bills that someone will agree to pretend is real money, but most businesses will laugh you out of the building and tell you to come back with real money. Because crypto is just a financial asset that people give monetary worth, but it isn't money.