I love how everyone in blockchain, from muppets to obviously intelligent and well meaning guys like Vinay Gupta, create a straw man of @Visa.
Very clearly signaling they can't even bother to learn what Visa actually does, they're too busy #disrupting
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Ya good article. I think their main value add now is the POS network. Transactions and settlement is nbd between banks, and will be even easier in the next few years with new RTP network. Fraud in card interchange is actually owned by the issuing bank, visa enables communication.
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Keeping your money at a bank means less worry than being your own bank. Visa/mc/amex just make that money easy to spend
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