Yes, GP might have misremembered 25%. To be clear: that is still way too high in my view. (That credit cards in less regulated economies like the US charge more

Yes, GP might have misremembered 25%. To be clear: that is still way too high in my view. (That credit cards in less regulated economies like the US charge more than 2% is obscene.) However, the badly needed disruption will come (hopefully) from good old (centralised) FinTech (such as Wise), not from the crypto bros.