Isn’t the volatility of the value of the token a cost, too?
Christian Fernandes

Agreed. If value is sent in form of token, the token value is certainly an issue. One solution is to manage the payment lightning-fast, so that there is not much of an exchange rate risk. The other solution would be to use the tokens only to transport value, e.g. pegged to a fiat currency, while the tokens themselves are (nearly) worthless.

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