It is useful. Have you ever traded currencies on Ripple? It's awesome.

And once it is fully open, it will not be controlled by anyone.

Have you ever tried to send a bank wire before? It can take a week to process and it costs on average $15+. Not an awesome technology.

I have not said it's awesome, I just said it is decentralized :)

How will your system cope with the augmentation of transactions? I see you use a consensus based system like Bitcoin, and these tend to take more and more time to converge when the number of transactions gets bigger.

"We're thinking about it" - They better be, because if decentralized payments hit the mainstream, PayPal's 3.9% fee is going bye-bye.

Paypal takes 3.9% ? No, you have to see how much credit card companies take and how much paypal takes. They likely get less than half that.

For international sales PayPal takes 3.9% plus a flat rate fee ($1-$5) plus a poor exchange rate which adds in a hidden 2-3%.

In total they can end up taking $12 on a $100 purchase.

But you're right, most of that probably goes to the credit card company.

I hate PR churn, and love the Churnalism app, but a lot more will be needed to stop the flood of low quality content. It would be great to have a browser-based tool to identify, tag, and filter bad journalism--kind of like a SPAM-filter for your brain.

I've seen people who are great at short emails... but I've also seen a lot of miscommunication when people shoot fragments back and forth. It's a fine line between concise and useless.

I wish email came with a YES/NO embed button. Even a RECEIVED/READ button would be useful. Recipient can hit those buttons and move on... Sender knows the status and can move on.

I know you can embed Google Forms, but don't know if they work for all email clients. Anyone use them?

Initially I wasn't a huge fan of the 'seen' status in Facebook messenger, but it's actually really useful when speaking with my good friends (who I know won't reply, but knowing they've seen it is all that's necessary).

I just wish it was optional so that certain contacts won't necessarily know that I've seen their message.