Transactional is different. It only needs to have stable value in the short term. If Starbucks says 3 credits for a coffee and they have a liquid market for cre

Transactional is different. It only needs to have stable value in the short term. If Starbucks says 3 credits for a coffee and they have a liquid market for credits they will use it. Ingress/egress that sweeps into savings many will adopt. FB would be wise to take 10% of profits and sweep them into a credit dividend for users so even the poorest have liquidity in the market.