[TL;DR]
- Current microtransactions are hindered by fatal limitations, including fees that exceed the principal amount, complex intermediaries, and platform dependencies, blocking the growth of the small payment market.
- Blockchain technology enables near-zero fees and cross-platform interoperability through peer-to-peer direct transactions, instant settlement, and universal digital currencies, driving innovation in microtransactions.
- With user-friendly technologies like WaaS, blockchain can completely hide its complexity while delivering all its benefits, opening a new era of digital economy where everyone worldwide can enjoy fair and efficient financial services.
1. Fatal limitations of current microtransactions
1.1. The paradox of fees higher than the principal: economic issues in small payments
The moment a seller presses the payment button to sell a 1,000 KRW emoji, they face an invisible wall of fees. When paying by credit card, there is a fixed fee of at least 100–200 KRW plus a variable fee of 2–3%, meaning that even if the seller receives 1,000 KRW, they end up with less than 800 KRW in reality. The situation becomes even more serious with smaller amounts. For example, if you sell a digital sticker for 100 KRW but have to pay a 200 KRW fee, you actually incur a loss.
Due to this fee structure, many sellers set a minimum payment amount. You may have seen notices saying "Card payment available only for purchases over 5,000 KRW." This causes inconvenience to consumers and results in lost sales opportunities for sellers. Especially in markets centered on digital content and small items, such constraints become a barrier blocking overall market growth.
According to a report released in 2024, the proportion of creators and small business owners who either cannot enter the microtransaction market at all or are forced to give up their business due to high fee burdens is rapidly increasing. For example, a webtoon creator selling an episode for 500 KRW may end up receiving only 200–300 KRW after platform and payment fees are deducted. A creator who receives a 1,000 KRW donation on a platform might not even get 700 KRW in hand after fees. Under this structure, it is difficult for micro-donation cultures to take root properly.
What’s even more frustrating is that this fee structure has become entrenched as a global standard. Global card companies like Visa and MasterCard have maintained the same fee structure for decades, and digital payment services like PayPal and Stripe impose similar fees. Even so-called “innovative” simple payment services ultimately operate on the existing financial infrastructure and therefore cannot fundamentally solve the fee problem.
This issue is even more serious in developing countries or financially excluded regions. In areas where daily income is only a few dollars, a $0.3 payment fee is a significant burden. This becomes one of the main reasons why the benefits of the digital economy are not distributed fairly worldwide.
1.2. Inefficient payment structure due to complex intermediaries and slow settlement
Another major problem with microtransactions is inefficiency caused by complex intermediary steps. If we look into the process from the moment a consumer clicks the payment button to when the seller actually receives the money, we can understand why so many fees arise.
For example, in a typical credit card payment process, the merchant (seller) sends a payment request to the PG (payment gateway) company. The PG company then requests authorization through the VAN (value-added network) company to the card company. The card company communicates with the bank to check payment availability, and this entire process is reversed again to finally complete the approval. Each of these intermediary steps incurs fees, and settlement usually takes 2–3 days.
Although this complex structure was formed for historical reasons, it is clearly inefficient in the digital age. In particular, in digital content transactions where real-time interaction is crucial, a 2–3 day settlement delay is a major issue. If a creator has to wait several days to confirm donations received during a live stream, it greatly diminishes the advantages of live commerce, which relies on immediate interaction.
A bigger problem is that these intermediaries often require additional deposits or collateral for risk management purposes. Many small sellers find it difficult to use payment services due to high security deposits and, even when they do, they have to accept unfavorable conditions. For example, new online shops are often required to deposit 10–20% of their sales as security for the first six months.
In cross-border microtransactions, the situation becomes even more complicated. Foreign exchange fees, intermediary bank fees, and receiving bank fees pile up, resulting in cases where sending $10 can incur fees exceeding $5. This is a significant obstacle to the global freelancer market and international micro-donations.
1.3. Platform dependency and lack of interoperability: trapped microtransactions
Another serious problem with the current microtransaction system is platform dependency. Each platform operates its own point or credit system to lock users into their ecosystem.
Credits purchased on Google Play Store cannot be used on Apple App Store, and KakaoPay Money cannot be spent on Naver Pay. The situation is even worse in games — in most cases, in-game items or currencies purchased in Game A cannot be used even in Game B from the same company. This closed structure forces users to make redundant purchases and artificially raises switching costs between platforms.
According to a survey, Korean mobile users hold an average of unused credits worth 80,000 KRW across 4.2 different platforms. This means an economic loss of over 30,000 KRW per person annually, and if expanded to the entire market, this amounts to more than 1 trillion KRW.
Platform dependency is also a huge burden for creators. When a creator moves from YouTube to Twitch, they have to rebuild their donation system and revenue model from scratch. Fans also face the hassle of registering payment methods again and signing up for a new platform.
This situation becomes a major factor hindering innovation. No matter how good a new platform's service is, it is extremely difficult to attract users and credits trapped in existing platforms. Ultimately, this strengthens the monopoly of a few major platforms and weakens the motivation for lowering fees or improving services.
1.4. Limitations in the era of AI agents: obstacles to an automated economy
With the rapid advancement of AI technology, automated transactions are exploding, but the current microtransaction system is unlikely to keep up with these changes. We are entering an era where AI agents handle hundreds or even thousands of small transactions on behalf of users, and the limitations of existing systems are becoming even more apparent.
For example, imagine an AI assistant automatically purchasing and managing various online services for the user: 10 KRW per news article, 50 KRW per AI-generated image, 5 KRW for real-time weather data, and so on. In these cases, the transaction fees can exceed the cost of the service itself.
An even bigger problem is transactions between AI agents. In the near future, it will become common for AIs to buy and sell data, trade computing power, and exchange services with each other. However, the current financial system is designed on the premise of human manual approval, and thus cannot handle thousands of AI-to-AI transactions per second.
In reality, major AI companies such as OpenAI, Google, and Microsoft still rely on traditional subscription models or API pricing schemes. However, these methods cannot support true AI-to-AI transactions or real-time microtransactions. Each company operates a credit system that works only within their own platform, lacking interoperability across different platforms.
This issue is expected to become even more serious as IoT devices become more deeply integrated into everyday life. In a world where smart fridges automatically order milk, electric vehicles pay for charging, and smart home devices automatically purchase necessary services, fees of even a few hundred KRW per transaction can destroy the economic viability of the entire system.
These limitations are not merely technical problems but stem from the structural constraints of the current financial system. Systems designed decades ago simply cannot meet the demands of the digital age — especially the AI era. A completely new approach is needed, and blockchain technology is emerging as that solution.
2. Blockchain-driven innovations in microtransactions
2.1. Fee-less direct transactions: P2P micro payments
The most revolutionary change that blockchain has brought to microtransactions is the realization of direct transactions without intermediaries. By eliminating the numerous intermediary steps that were inevitable in traditional payment systems, true peer-to-peer (P2P) transactions have become possible.
Lightning Network and layer 2 solutions have already made ultra-small transactions under 1 KRW economically feasible. For example, on Bitcoin’s Lightning Network, transactions as small as 0.001 KRW can be processed instantly, with fees that are virtually zero. This is a level of efficiency that was unimaginable in existing systems.
What’s even more remarkable is that this ultra-low cost structure applies regardless of transaction size. Whether you send 1 KRW or 10,000 KRW, the fee remains equally negligible. This makes ultra-small pricing models viable, such as paying for a single piece of content, 1 KB of data, or one second of streaming. Selling a single webtoon panel for 10 KRW or a paragraph of an article for 5 KRW becomes economically possible.
A particularly notable point is that the emergence of stablecoins has solved the issue of price volatility. Digital currencies like USDC and USDT, which are pegged to the US dollar, and other stablecoins pegged to local fiat currencies, maintain the technological advantages of cryptocurrencies while providing value stability familiar to general users. Now, users can enjoy the efficiency of blockchain without worrying about price fluctuations.
These technological advances are leading to new business model innovations. For example, a true “pay-per-use” model is now possible. Instead of paying a monthly subscription for AI services, users can pay exactly for what they use, or pay per second when listening to music instead of per song. This provides consumers with fairer pricing and gives service providers a more precise revenue model.
2.2. Instant settlement and transparent fee structure
Another innovation of blockchain-based payment systems is the realization of real-time settlement. Settlement, which used to take 2–3 days in domestic systems and more than a week for international transactions, is completed within seconds to minutes on blockchain. This is not merely a speed improvement but a fundamental transformation of business operations.
With instant settlement, cash flow cycles are dramatically improved. Small business owners and freelancers no longer need to wait for settlement dates; they can immediately confirm their revenue and reinvest it. In industries like restaurants and cafes, where daily cash flow management is crucial, this makes financial operations much smoother. In live commerce or real-time donation systems, creators can immediately see their earnings, allowing them to engage more actively.
In terms of transparency, blockchain has brought revolutionary changes. Since all transactions are recorded and publicly available on the blockchain, the fee structure becomes completely transparent. Unlike traditional systems with complex and opaque fee schemes, blockchain allows anyone to see exactly how much fee is charged and for what purpose.
The use of smart contracts also enables automated fee distribution, which is noteworthy. For example, when selling digital content, it can be programmed so that 70% automatically goes to the creator, 20% to the platform, and 10% to marketers. This is executed automatically without human intervention, leaving no room for disputes, and each party can check their revenue in real time.
Furthermore, dynamic fee adjustments are now possible. Fees can be automatically adjusted based on network congestion, urgency of transactions, and transaction size, allowing users to choose the optimal fee structure for their situation. Non-urgent transactions can be processed at lower fees, while urgent ones can be completed with higher fees, creating a flexible system.
2.3. Universal digital currencies and cross-platform interoperability
One of blockchain technology’s greatest strengths is interoperability that transcends platform boundaries. In traditional systems, each platform operated its own isolated point or credit system, but blockchain-based tokens can be used seamlessly across different platforms.
This interoperability fundamentally improves user experience. Users can manage all their assets from a single digital wallet and freely use tokens earned on Platform A on Platform B. For example, tokens earned in a game can be used to buy music, or rewards from content creation can be spent on online shopping.
Especially in the creator economy, this change is revolutionary. Creators are no longer tied to specific platforms and can manage integrated revenue even while being active on multiple platforms. They can manage donations and revenue received from YouTube, Twitch, TikTok, and more in a single wallet, and use it freely wherever they want.
Borderless payments are also an important innovation brought by blockchain. Traditional international remittances required high fees and long processing times, but on blockchain, there is no difference between domestic and international transfers. A consumer in Korea can support a creator in the US or an Indian developer can get paid by a European company as easily as if they were in the same city.
This global interoperability enables new forms of international collaboration. Freelancers around the world can participate in projects in real time and get paid immediately according to their actual contributions rather than by hourly rates. Micro-payments based on precise contributions create a fair and efficient collaboration model.
2.4. Programmable micro payments for AI agents
The most future-oriented innovation that blockchain can offer is a perfect payment infrastructure for AI agents. The combination of smart contracts and programmable money is expected to enable AI to autonomously engage in economic activities.
The key is the implementation of programmable payment conditions. AI agents will be able to execute payments automatically according to predefined conditions. For example, "Pay only if the weather API data accuracy exceeds 95%," or "Pay only if the quality of an AI-generated image meets a certain standard." This is expected to simultaneously ensure service quality and fair pricing for AI services.
More interestingly, it is expected that an autonomous trading ecosystem among AIs will emerge. AI agents will buy and sell data, trade computing resources, and exchange specialized models among themselves. For example, an image recognition AI could request services from a translation AI and execute micro payments automatically. Such transactions could happen thousands of times per second, and blockchain is expected to handle this efficiently.
Multi-agent collaborative systems will also become a reality. Multiple AIs will split complex tasks among themselves and automatically receive compensation based on their contribution, all through smart contracts. For example, in a video production project, a scriptwriting AI, voice synthesis AI, and video editing AI could collaborate, and the final revenue would be automatically distributed according to contribution.
Of particular note is the self-organizing potential of the AI economy. A decentralized AI economic ecosystem could emerge where AIs autonomously set prices, evaluate service quality, and manage reputation scores. This means the birth of a self-operating economic system that can function efficiently without human intervention.
These innovations go beyond mere technological advancement and represent a paradigm shift in economics. Transaction costs approach zero, the barriers of borders and platforms disappear, and AIs join as economic agents, opening a new digital economy. This will demand a fundamental redefinition of the economic system as we know it, while at the same time presenting infinite possibilities.
3. Expected changes: innovation scenarios for the microtransaction ecosystem
3.1. Blockchain transformation of creator support platforms
The creator economy will be the first area to experience changes brought by blockchain-based microtransactions. In the current structure where platforms like YouTube, Twitch, and AfreecaTV charge fees as high as 30–50%, blockchain-based systems can guarantee creators over 95% of the revenue.
Real-time revenue distribution models will become the new standard. When a viewer donates 1,000 KRW, the creator immediately receives 950 KRW, and the remaining 50 KRW is automatically distributed to network maintenance and platform operations. This completely eliminates unreasonable practices such as monthly settlements and minimum payout thresholds. For small creators in particular, this change is directly tied to their survival.
A more revolutionary change is the spread of micro-donation culture. Donations as small as 10 KRW or 50 KRW become feasible without burden, allowing more viewers to participate in supporting creators. Instead of a "like," giving a 10 KRW donation could become a new way of expressing appreciation. As an example, if one million people each donate 10 KRW, it results in 10 million KRW — proving that small amounts can lead to meaningful revenue through mass participation.
Content-based micro-charging will also become a reality. It will be possible to charge only for specific parts of a video, a section of a song, or a paragraph in an article. For example, a user could watch only the necessary 10 minutes of a one-hour lecture and pay 100 KRW, or selectively read certain chapters of a novel. This offers more rational choices to consumers and more sophisticated revenue models for creators.
A cross-platform fan economy will also be built. Fans will be able to support creators using integrated donation systems regardless of the platform. Supporting a YouTube creator via Instagram or a Twitch streamer on TikTok will become natural. This provides creators with wider revenue streams and offers fans a more convenient way to show support.
3.2. New payment models for games and digital content
The gaming industry will experience the most dramatic changes brought by blockchain microtransactions. As the closed in-game asset systems shift to open token economies, true ownership of digital assets for gamers will be realized.
The evolution of Play-to-Earn is at the core. Beyond simply earning money while playing, every in-game activity will be finely rewarded. For example, defeating a monster could earn 0.1 KRW, completing a quest could yield 10 KRW, or helping another player might result in a 5 KRW reward. This transforms games from pure entertainment into meaningful economic activities.
Asset transfer between games will also become a reality. Items or currencies earned in Game A can be used in Game B, or even converted into cash. This means that the time and effort gamers invest will not be confined to a specific game. Even if a game service shuts down, assets will remain permanently on the blockchain and can be utilized in other games or platforms.
Dynamic pricing systems will be introduced as well. The prices of in-game items will be automatically adjusted in real time based on supply and demand, creating a fairer game economy. Rare items will be traded at higher market-driven prices, while common items will be distributed at reasonable rates. This prevents arbitrary price manipulation by game companies and builds a player-driven economic system.
In the digital content sector, second-based streaming charges will become the new standard. Instead of monthly subscription models like Netflix or YouTube Premium, users will pay only for the exact time they consume. Watching a one-hour movie could cost 100 KRW, or playing one song might cost 1 KRW. This creates a fair charging structure based on actual usage, reducing the burden for casual users while allowing heavy users to opt for unlimited passes, enabling a more flexible system.
3.3. Innovative payment systems for small businesses
Blockchain-based microtransactions will bring significant benefits to small businesses in particular. If credit card fees, which currently range from 2–3%, are reduced to below 0.1%, profitability for high-volume, low-margin businesses will improve significantly. In businesses with small margins, such as selling a cup of coffee or a single kimbap, this fee reduction directly affects survival.
Instant settlement systems will dramatically improve small business cash flow. Whereas card payments currently take 2–3 days to settle, blockchain payments are settled instantly, allowing same-day revenue to be immediately confirmed and utilized. This is particularly helpful for small businesses where daily cash management is crucial, such as for purchasing ingredients or paying part-time staff.
Micro discounts and rewards will also become feasible. Businesses will be able to offer small discounts or loyalty rewards in units of 100 KRW without burden, enabling more precise customer management. For example, a cafe could add a 10 KRW bonus each time a loyal customer buys coffee, or offer a 50 KRW discount for visits during certain hours.
A particularly exciting change will be the realization of local unified point systems. While it’s difficult for individual stores to operate independent point systems, blockchain enables neighborhood cafes, bakeries, and restaurants to easily build shared point systems. This strengthens the competitiveness of local commercial districts against large franchise chains.
P2P lending and crowdfunding will also be revitalized. Small businesses will be able to raise necessary funds for expansion or facility upgrades directly from customers instead of banks. For example, 100 regular customers each invest 10,000 KRW to raise 1 million KRW, and future profits can be distributed back to them via micro payments. This creates a win-win model where local communities and small businesses grow together.
4. The perfect link between technology and users
4.1. Wallet-as-a-Service: the revolution of the invisible wallet
No matter how innovative blockchain technology is, mass adoption is impossible if general users have to manage private keys or seed phrases themselves. At this point, Wallet-as-a-Service (WaaS) emerges as a game changer. WaaS completely hides all technical complexities of blockchain while delivering all its benefits — like a magic solution.
The most groundbreaking change is that a wallet can now be created with just a social login. Users simply log in with familiar accounts like Google, Kakao, or Naver, and a blockchain wallet is automatically created in the background. Complex addresses and private keys are securely encrypted and stored in the cloud, so users don’t need to know any technical details. It’s as natural as using Gmail without knowing your actual email server address.
With this convenience, the worry of losing keys also disappears. In traditional blockchain wallets, losing the seed phrase meant permanently losing all assets. In fact, billions of dollars worth of crypto assets are permanently frozen due to key loss, which has been a major obstacle to mass adoption. But with WaaS, the wallet can be recovered through social account recovery, allowing ordinary users to use blockchain services safely and with peace of mind.
To further enhance security, multi-signature and recovery options are also implemented in a user-friendly way. By designating family members or trusted friends as recovery helpers, users can safely recover access even when they can’t access their account. All of this is protected by complex cryptographic protocols, but for users, it’s as simple as pressing an "Add friend" button.
Perhaps the most innovative feature is gas fee abstraction. The biggest barrier to blockchain transactions has been network fees (gas fees), but this problem is completely solved. Imagine if you had to prepare Ethereum gas fees separately just to exchange Starbucks points for CGV points — how inconvenient would that be? WaaS completely hides such complexities, allowing platforms to pay on behalf of users or automatically deduct fees from the exchanged tokens, enabling a seamless experience.
4.2. Microtransactions without wallets: a user-friendly interface
The true innovation of WaaS goes beyond simply hiding technology — it makes the concept of a "wallet" itself disappear. Users can experience microtransactions naturally in existing apps or websites without even realizing they’re using blockchain.
The best example is one-click payment implementation. While reading a webtoon, if you want to see the next episode, you simply press "Read next" without going through complicated payment processes, and 50 KRW is automatically paid. There’s no need for payment approvals, password inputs, or OTP verifications. This is especially significant for microtransactions, as spending 30 seconds to pay 50 KRW is not a rational user experience.
It’s also important that this convenience does not compromise security. By integrating biometric authentication such as Face ID or fingerprint recognition, users can authenticate once, and then microtransactions below a certain threshold are automatically processed without further verification. Users can enjoy convenience while having confidence that their assets are safe.
As technology advances further, context-based automatic payments have also become possible. AI learns users’ behavior patterns and automatically processes payments for services like a daily morning news podcast or a lunchtime webtoon. Of course, all of this operates within preset user limits, and users maintain full control to cancel or request refunds at any time.
Looking offline, the evolution of QR codes and NFC is also interesting. In the past, complex POS systems were required, but now blockchain payments can be made simply with a QR code or NFC tag. Even a local tteokbokki shop owner can start accepting blockchain payments by just putting up a sticker. This is a perfect example of how technological democratization is realized in real life.
4.3. Industry-specific specialized micro payment solutions
The flexibility of WaaS doesn’t stop at providing a universal payment solution. It enables customized solutions tailored to each industry, creating entirely new business models in different sectors.
In the content industry, streaming payments are bringing a revolution. Users can be charged in real time, such as 0.01 KRW per second of listening to music or 1 KRW per minute of watching a video, providing a completely different sense of fairness compared to traditional subscription models. Light users can enjoy the service at minimal cost, while heavy users can choose options like unlimited passes, creating a structure where everyone is satisfied.
This innovation is naturally spreading to the transportation sector. Through dynamic pricing, public transportation fares can be calculated in real time based on distance, time, and congestion levels. Slightly higher fares during peak hours are offset by discounts during off-peak times, achieving both demand dispersion and fair pricing. Furthermore, micro-mobility services such as shared bikes and e-scooters can also adopt per-second billing instead of per-minute, enabling more reasonable usage.
In healthcare, a completely new concept of micro insurance is emerging. By paying, for example, 10 KRW a day via a health app, users can receive instant insurance payouts when using medical services. This upends the traditional complex insurance structure. Young and healthy users can receive coverage at minimal cost and get immediate support when they actually need medical services.
Changes in education are also noteworthy. Through learning reward systems, users can receive small token rewards each time they solve a problem or complete a lecture chapter, dramatically increasing learning motivation. Collected tokens can be used to purchase other educational content or tutoring services, creating a virtuous cycle where learning becomes economic activity. This is expected to greatly help expand educational opportunities, especially in developing countries.
4.4. A global microtransaction network that transcends borders
Perhaps the most dramatic change brought by WaaS is the realization of borderless payments. High fees and long processing times of traditional international remittances disappear, leading to an astonishing integration of the world into a single economic zone.
Now, real-time exchange rates are automatically applied, so when a user in Korea supports a creator in the US, KRW is automatically converted to USD and sent. The conversion fee, at less than 0.1%, is revolutionary compared to the 3–5% fees of banks or card companies. Thanks to this low-cost structure, whether sending 100 KRW or 1 million KRW, international transactions are affordable and easy.
Multi-currency wallets managed through a single WaaS account have become essential tools in the global era. Users can hold KRW, USD, EUR, JPY, and other currencies simultaneously, and convert them instantly as needed. This provides a perfect solution for modern people accustomed to frequent overseas travel or international shopping. No more searching for currency exchange booths at airports or using a calculator to check exchange rates when shopping abroad.
Combining all these innovations has created an entirely new economic ecosystem called the global micro labor market. Anywhere in the world, people can perform small tasks and receive immediate compensation, making a truly global economy a reality without geographical constraints. Tasks like translating one sentence for 10 KRW or tagging an image for 5 KRW become meaningful economic activities, opening new doors of opportunity especially for people in developing countries.
Ultimately, WaaS goes beyond being a mere technical solution to become a core infrastructure for financial democratization. By completely hiding technological complexity while delivering all the advantages of blockchain, this innovative approach opens a new era where everyone in the world can enjoy fair and efficient financial services.
5. The new digital economy that microtransactions will create
Blockchain-based microtransactions go beyond mere technological innovation to represent a fundamental redesign of the economic system. Transaction costs are approaching zero, borders are disappearing, and a new era is dawning where AI actively participates as an economic agent.
Now, every form of value becomes a tradable asset. One second of attention, one byte of data, and even one watt of electricity can all be converted into economic value and traded. This means that numerous micro-values that were previously difficult to measure are now integrated into the economic system. At the same time, as real-time value settlement becomes the new standard, periodic bulk payments like monthly salaries or monthly rent will disappear. Instead, a truly performance-based economy is realized, where you are paid instantly according to the exact work or consumption you have done. This fundamentally changes the concept of cash flow and greatly reduces the need for working capital and loans.
A more important change is that 1.7 billion unbanked people worldwide can now participate in the global economy. Even without a bank account, people can save, invest, and borrow using only a smartphone, and even daily earnings of just 1 KRW become meaningful economic activities. With cross-border real-time remittance becoming commonplace, remittance costs for migrant workers disappear, and the global freelancer market grows explosively. True equality of opportunity is realized, where fair compensation is given purely based on capability and effort, regardless of geographical location.
Revolutionary changes also occur from an environmental perspective. Every eco-friendly action is directly linked to immediate economic rewards, so small practices like recycling, energy saving, and carbon reduction are rewarded via micro payments. This builds a structure where sustainable living is directly tied to economic benefit. Additionally, complete utilization of idle resources becomes possible, allowing unused computing power, storage space, and even parking spaces to be traded per second, minimizing resource waste. This reduces overproduction and overconsumption, completing a true circular economy that goes beyond the sharing economy.
The future that blockchain microtransactions will create is a more fair, efficient, and inclusive economic system. Monopolies of intermediaries disappear, individuals' economic sovereignty is strengthened, and value creation and distribution become more transparent. This is not merely a change in payment methods but a paradigm shift in economics. As the barrier of transaction costs disappears, billions of new economic agents emerge, the machine economy driven by AI and IoT merges with the human economy, and a new era dawns where sustainability aligns with economic rationality.
We now stand at the most important turning point in the history of money and transactions. Blockchain microtransactions are at the core of this transformation, and how quickly and wisely individuals, companies, and nations embrace this change will determine their future competitiveness.