The examples you used here are very good and lead to a good understanding of PumaPay concept. As you could see on my account, I am already involved in PumaPay project and I believe it brings a whole new changing plan for crypto and billing world. One of these project's main objective is the one that you mentioned: "Shared payments – You can make the payments to two or more recipients in a single transaction with complete privacy between the recipients." How is not that cool enough? Thanks for sharing it!