Not all users are happy with credit cards. How is it not solving a problem for the unbanked?
You're not wrong, but apis are normally paid for buissnesses that have banking. The market isn't very large for paid apis for unbanked people
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Using LN for this encounters too many technical / logistical problems.
API that stops working because your LN channel is not balanced correctly, and then needing to pay $50 to rebalance channel to earn $.005 per API call is not worth it.
The unbanked may not even be able to afford the channel open / close fees....so....
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Being unbanked does not mean being poor.
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