Well, dwolla is a credit card company. I'm a CTO (and co-owner) of a medium-sized credit firm in Brazil (full stack: processing, credit, gateway, etc). We offer

Well, dwolla is a credit card company. I'm a CTO (and co-owner) of a medium-sized credit firm in Brazil (full stack: processing, credit, gateway, etc). We offer plastic cards, iOS & android apps, NFC, IVR calls, web app, e-CPF (Brazilian electronic "social security" card) as form of payment methods. Guess what? Most people WANT the damn card. We would LOVE not to spend 1.4 U$ on every card we have to manufacture. I don't see Dwolla as the future of payments, they offer a limited solution. My company is planning for a future where there will be many ways to make a payment, fit for every social class and/or preference. In brazil, it takes 3 minimum payments to buy a smartphone. In the US, 49 million citizens are poor. Let's not deny the economic reality we are living in right now.