Talk to any business and they will tell you that they don't want to pay %3 to visa or any other credit card. Having a ledger of transactions is how any currency

Talk to any business and they will tell you that they don't want to pay %3 to visa or any other credit card. Having a ledger of transactions is how any currency works, it isn't the problem being solved. Being able to use money electronically without a 3rd party is something that wasn't possible before. Anyone wanting to cut a credit card out of their deal or choose a currency other than their what their country mandates can now do that.