I think this is a great idea, but at least for Crypto the issue is the ergonomics because it needs to be (1) convenient for the creator, (2) convenient for the

I think this is a great idea, but at least for Crypto the issue is the ergonomics because it needs to be (1) convenient for the creator, (2) convenient for the payer, (3) offer liquidity/withdrawn venues for both parties. All of this discarding the extra friction to make it operational (QR codes with the codes would help here, but I am not sure).