I'm not quite sure which kind of problem they are trying to solve. Are they just another payment provider that has "crypto" in the name? Having a shiny app? I

I'm not quite sure which kind of problem they are trying to solve. Are they just another payment provider that has "crypto" in the name? Having a shiny app? I don't see that as great selling point. The problems for consumers with current payment providers and banks are largely due to regulatory and policy decisions (PayPal not accepting retailers for certain services, banks making it extremely complicated for you to get a bank account etc...). Libra will have all of these issues. So I'm genuinely curious: What problem does Libra solve?