• Doomsider@lemmy.world
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      8 days ago

      It really boggles the mind why we have to go through private corporations to use our monetary system in the digital realm

      If we had to use private corporations then there needs to be enough competition to prevent what is happening now.

      • BombOmOm@lemmy.world
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        8 days ago

        FedNow became a thing just two years ago. With transaction fees of just $0.043/transaction, it’s cheaper than every other payment processor out there. Hopefully it can gain adoption and push out Visa/Mastercard.

        • PolarKraken@lemmy.dbzer0.com
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          8 days ago

          Interesting. Good to have a less rent-seeking option, not sure I love the idea of the Fed just (assumedly) having access to all my transactions, though.

        • bean@lemmy.world
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          8 days ago

          What prevents them from getting bigger and doing the same thing. This cycle of sadomasochism needs to stop at the root cause.

          • BombOmOm@lemmy.world
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            7 days ago

            FedNow is ran by the Federal Reserve. They are almost certainly going to retain stricter regulation than independently operated payment processors.

          • Landless2029@lemmy.world
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            7 days ago

            Enshitification is common. Corps care a ton about social pressures and norms. They get swayed easily by public opinions.

            This one is US Gov based so we’ll see how it plays out. They tend to be slower to move… Until someone starts slinging executive orders around to rip things out and tear them down.

      • frongt@lemmy.zip
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        8 days ago

        You don’t have to. You can use cash, checks, crypto, gift cards, and more. It’s only credit cards (and probably almost all debit cards) that go through them.

      • BD89@lemmy.sdf.org
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        8 days ago

        As much as everyone here hates it literally the only way to ever do that is cryptocurrency unless you receive precious metals in the mail.

    • ipkpjersi@lemmy.ml
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      8 days ago

      I wish they weren’t a duopoly. There isn’t really any other options even if they would be better, just because of the marketshare hold they have.