Why set this up as the sender paying the transaction fee? I never use a credit card without getting my rewards and that causes the merchant to pay 2% up to 3% per transaction. I understand the SEC crap of a token being security vs utility but this is the only way a POMA will ever take hold. Just my opinion. I personally think the fee should actually be 50 bps with 40 bps going to the sender as a reward (or tiered by $ amount) and this would still be a 75% savings to the merchant. However, worldwide it may have to be lowered to interchange rates according to the country.