I doubt that. The main issue you're trying to solve is, that the current payers of ads, corporations, have much more money available than consumers (the payers

I doubt that. The main issue you're trying to solve is, that the current payers of ads, corporations, have much more money available than consumers (the payers of ads in the "microtransactions" concept). But in any case, that's at most the "next" step. First one is, literally replicate what banks do right now (possibly including minimum transaction fee on small transactions - depends on local banks / regulations) except with non-backwards tech.