I should clarify: I mean physical payments with a merchant in person here. If I want to use a digital wallet at an in-person merchant, my only options are to us

I should clarify: I mean physical payments with a merchant in person here. If I want to use a digital wallet at an in-person merchant, my only options are to use products by Apple or Google (or possibly both Samsung and Google). If I'm working on software for a non-Android or iOS phone? It's just not an option, not without (what I can only assume are) hugely expensive business deals with banks and card issuers. A digital currency issued by a central bank, if sufficiently standardized, could lower the barrier to entry here such that it's feasible for developers who don't make billions of dollars in revenue to participate. (Now, I also think the way credit card payments work right now in general is silly and unsafe, but that's only tangentially related here. Still, I think a digital currency could probably do it better. :)