Sistem lama mulai retak.
Saat bank masih sibuk mengenakan biaya transaksi, potongan kartu, dan birokrasi yang bikin pedagang kecil berdarah-darah…
Block, Inc. lewat platform Square baru saja melakukan sesuatu yang sederhana tapi mematikan bagi sistem lama.
Mereka meluncurkan bounty otomatis untuk memperluas pembayaran Bitcoin.
Skemanya brutal sederhana.
Kalau kamu melakukan pembayaran Bitcoin pertama ke merchant Square yang sebelumnya belum pernah menerima BTC menggunakan Cash App…
Kamu langsung dapat $25 dalam Bitcoin.
Lakukan 10 kali.
Kamu bisa kumpulkan sampai $250 dalam sats.
Dan di sisi pedagang?
Zero processing fees.
Tidak ada potongan kartu.
Tidak ada bank yang menghisap margin mereka.
Tidak ada birokrasi pembayaran lama yang rakus biaya.
Program ini berjalan sampai 5 April.
Banyak orang melihat ini sebagai promo kecil.
Padahal kalau dipahami lebih dalam…
Ini serangan langsung ke industri pembayaran tradisional.
Selama puluhan tahun pedagang dipaksa menerima sistem yang sama:
Visa.
Mastercard.
Bank.
Gateway pembayaran.
Semua mengambil potongan.
Sedikit di sini.
Sedikit di sana.
Akhirnya yang benar-benar bekerja keras justru pedagang kecil yang membayar semuanya.
Sekarang bayangkan satu hal.
Jika semakin banyak merchant mulai menerima Bitcoin…
Jika semakin banyak konsumen terbiasa membayar langsung dari wallet…
Maka peran perantara mulai perlahan dipangkas.
Dan setiap perantara yang dipangkas berarti satu hal:
Kekuasaan sistem lama berkurang.
Inilah kenapa langkah kecil seperti ini sebenarnya berbahaya bagi status quo.
Bukan karena $25.
Bukan karena bounty.
Tapi karena ini mengubah kebiasaan orang.
Dan dalam revolusi teknologi…
kebiasaan adalah senjata paling mematikan.
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