TODAQ Digital Twin Micropayments & Cash Portability

Please watch the TODAQ Digital Twin $10 bearer cash payment demo first if you have not yet at:

https://rumble.com/v1yt3oo-replicate-physical-cash-with-todaq-digital-twin-bearer-cash-payment.html

Digital micropayments have not been possible at scale because of payment processing and settlement friction (e.g., $0.10-0.30 interchange fees and 1-2% payment processing cost). With intermediary fees making a payment of under a dollar is not economical. Existing solutions that remove payment processing fees make up that cost by either charging the merchant, or selling your data without consent and not giving you a cut.

There are three huge unserved micropayments markets

1) Consumer micropayments for those that want to purchase without a subscription lock-in.

2) B2B Cloud P2P payments - the public cloud is $500 billion market of software programs requesting micro-services from each other through API...now software programs getting micro-services for P2P micropayments is possible.

3) Major companies is large integrated ecosystems and marketplaces can take advantage of TODA bearer cash payments to increase customer convenience and significantly reduce costs and back office overhead.

Alice's digital twin sends a $0.25 micropayment to Bob's digital twin. Rather than send the $0.25 bearer cash file through the twin transaction channel after control has been passed to Bob, Alice chooses not to.

Once the integrity proof for transfer of control of the new $0.25 bearer cash TODA file is complete, Alice downloads the file to her computer. The bearer cash file can be sent to Bob any way Alice chooses. In this example the file is attached to an email and sent to Bob.

On receiving the email Bob can download the $0.02 bearer cash TODA file and upload it into his digital twin.

TODA file assets are truly portable and give portable control with integrity to asset owners. Asset owners no longer need to rely on specific digital platforms or transaction channels to access and manage their assets, or to trade with others.