I honestly think the speed of transactions and the extremely low cost for a transaction (mana) makes Steem a perfect tool for transactions. I'd love to see an app that allows for simple transfers via the phone, one which allows a vendor to create a invoice and send it via wallet memo to a customer on the spot and them approve payment. Who thing would take 3 seconds to send the invoice and then 3 seconds for funds to transfer. This is as fast as any point of sale credit card system without the risk that credit cards carry for vendors.

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