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For the consumer transactions are currently free in most cases so Dash is not cheaper for them. Looking at the whole chain I know crypto could be a few percent cheaper, but I really doubt it is enough to make people switch and I suspect that, if it does turn out to be sufficient, Visa...

What I miss in the list, although perhaps it won't necessary be labelled as infrastructure, is use cases. ATM, POS or PSP all of these are not services on their own, they are supporting services to enable utility. You don't use a POS to use a POS, you use it to pay for a meal at a restaurant...