blog.xeno.moneyThe $125 Billion Chargeback Problem: Why Merchants Need Irreversible PaymentsTL;DR: Chargebacks cost merchants $125 billion annually. "Friendly fraud" - where customers dispute legitimate purchases - accounts for up to 75% of all chargebacks. Blockchain-based payments eliminate this entirely through cryptographic finality. T...Feb 3·5 min read
blog.xeno.moneyWhat Does "New Card Scheme" Actually Mean? Building Payment Rail 3.0TL;DR: A card scheme is the network that connects consumers, merchants, and banks. Visa and Mastercard have dominated for 50 years. Blockchain enables a third option - one with instant settlement, zero chargebacks, and peer-to-peer finality. Underst...Jan 27·6 min read
blog.xeno.moneySelf-Custody vs Crypto Debit Cards: Why Owning Your Keys Still MattersTL;DR: Crypto debit cards (Crypto.com, Coinbase Card) require you to give up custody of your funds. You lose the ability to earn yield, face account freeze risks, and still pay card network fees. Self-custodial payment solutions let you keep control ...Jan 20·5 min read
blog.xeno.moneyHow In-Person Stablecoin Payments Get Cash Treatment: A Regulatory GuideTL;DR: In-person stablecoin payments under $10,000 can qualify for simplified compliance requirements similar to cash transactions. This makes merchant adoption practical without complex KYC infrastructure. The Regulatory Advantage of In-Person Paym...Jan 13·3 min read
