Some sort of micropayment system that can efficiently send small amounts of money on one-time basis without a recurring subscription or fees to Stripe/PP/other.

Some sort of micropayment system that can efficiently send small amounts of money on one-time basis without a recurring subscription or fees to Stripe/PP/other. No crypto obviously, that just adds more work to convert to usable cash. In Canada we can send money bank to bank via eTransfer, but there is a 50c flat fee for amounts <$100. There's no widget you can install on your site, you would need to ask people to login to your bank account or app and select the recipient manually. That level of friction would turn most people off.