.1% seems awfully high for a BTC challenger, awful low for a payment app.
There are lots and lots of payment apps, but it seems like they all end up charging 2-3% on transactions, even when they are backed by huge corporations and can afford to take a loss. Must be reasons for that.
As a payment app .1% seems too good to be true (why limit it to Venezuelans? It's already better than venmo right?), as a stablecoin it seems absolutely uncompetitive.