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" ... Digital currencies are frequently described as possessing the same positive attributes as cash. As such, fee extraction by third parties for payment functions must be considered a quickly diminishing opportunity, trending toward that of physical cash, the usage of which is generally feeless. Thoughtful investors will seek digital currency projects with business models addressing new revenue opportunities rather than those that rely on extracting value from a payment transaction. ... "
" ... The Iota technology has already enabled payments worth billions of dollars to be transacted without fees and has been utilized for use cases including transparent value chains in logistics, secure Over-the-Air Updates and feeless micropayments for electric vehicle charging and parking. ... "
" ... While the Durbin Amendment inadvertently hurt the underbanked, it also opened the door for neobanks to enter the market. Unlike traditional banks, neobanks do not charge fees or require minimum balances. Instead, they monetize their platforms through interchange fees on consumers’ purchases, instant transfer fees in P2P networks, and investment spreads. With features that gave underbanked customers a sense of financial security, such as overdraft loans, paycheck advances, and feeless ATM withdrawals, these apps have begun to fill a huge market gap. ... "