There’s a startup in Switzerland (https://www.pimpay.ch/ https://www.pimpay.ch/) trying to offer no per-transaction payments (at the Swiss-level). I wish them g

There’s a startup in Switzerland (https://www.pimpay.ch/ https://www.pimpay.ch/) trying to offer no per-transaction payments (at the Swiss-level). I wish them good luck but it’s not going to be easy to disrupt the existing players in this field. This is something governments could fix by running the payments rails.