This. My personal prediction: It will go the way of auth, where known trusted companies become the custodians. I'm willing to bet Facebook, Google, Apple, MSFT,

This. My personal prediction: It will go the way of auth, where known trusted companies become the custodians. I'm willing to bet Facebook, Google, Apple, MSFT, and others with large subscribed bases are nursing at least one, possibly several, entrants into this space, but are waiting for evidence that people actually grok micropayments first.