Congratulations on such a well researched piece. Heard a lot of people talk about Pix and I suspect LATAM still has plenty of potential to the upside with a banking boom, after skipping traditional accounts and being underserved for generations.

Very cool suggestion about adopting an emoji-like representation for merchants. Remember LNPoS using a 4 digit PIN code instead - yet emojis are way better.

Also avoiding paying via personal information. In the fiat world, this can only get worse not better for the coming years. Thankfully we have ephemeral IDs and npubs and new addresses, not single account IDs.

Definitely need to read this once more to properly digest it all, but thanks for doing the “leg work” for us. Particularly in sharing screenshots. Epic post. And sorry for your loss.