This is such a timely post—small payout cashouts really are a lifeline for freelancers and gig workers. One possible solution to reduce the high fee issue you mentioned could be the introduction of shared payout batching, where platforms group multiple micro-transactions together but still allow users instant access through digital wallets. That way, users avoid losing too much to fixed fees while still enjoying the flexibility of quick withdrawals. It would be great to see more fintech providers adopt such hybrid models!