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Tom Rowbotham's blogs
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The $125 Billion Chargeback Problem: Why Merchants Need Irreversible Payments
Feb 3 · 5 min read · TL;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...
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What Does "New Card Scheme" Actually Mean? Building Payment Rail 3.0
Jan 27 · 6 min read · TL;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...
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Self-Custody vs Crypto Debit Cards: Why Owning Your Keys Still Matters
Jan 20 · 5 min read · TL;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 ...
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