Replace card processing fees with QR stablecoin checkout

Replace card processing fees with QR stablecoin checkout targets a $200B = 40M small merchants x $5K/yr average card fees avoided per merchant. Assumes global small business base that currently pays card processing fees; replacing some of that volume with zero-fee stablecoin flows represents the upper market opportunity. total addressable market with medium saturation and a year-over-year growth rate of 20% global digital payments growth and rising stablecoin usage in payments corridors.

Key trends driving demand: Stablecoin rails -- growing liquidity and merchant settlement options make USD-pegged crypto more practical for payments.; QR-first payments in emerging markets -- high smartphone usage and low hardware costs make QR-native checkouts effective.; Merchant fee pressure -- small businesses seek to reduce 2-3% card interchange and platform fees, driving demand for alternatives.; Mobile web ubiquity -- HTML and browser-based checkouts lower distribution friction versus proprietary hardware apps..