In 2013, I had just started as an independent and I became interested in online payment methods. I had the intuition that crowdfunding and micropayments could become important tools to develop my activity as a creator and publisher. This is how I discovered Bitcoin, it was the revelation and I expected a lot. Unfortunately, the payments revolution has been slow, but I think today it is ripe and will smash everything. Hang on your seatbelts!

Peer-to-peer funding not possible

For years, people have been able to use the internet to create, publish and maintain a direct link with their audiences, in a peer-to-peer manner. But the area of ​​payments is the last to “resist” decentralization. With traditional payment tools, you can’t do without credit card companies, banks, PayPal, and so on. There is always an intermediary, unlike a public concert which authorizes the “hat” donation or the sale of products with cash.

Although the accessibility to these means of payment has improved since 2013, it is often still a little complicated to manage it yourself. This often leads people to delegate these aspects to platforms like Amazon for their shop or kickstarter / tipeee for their crowdfunding campaigns.

This dependence comes at a gigantic cost. Often hidden from buyers because it relies on the seller. Here are some examples :

  • On the store PVH editions, if you pay something € 26 with a bank card, I get € 24.95 on my account (4% commission),
  • Sure Tipeee, if I make a micro-donation of € 1 with PayPal, I will pay 1.28 € (almost 20% commission),
  • Sure Tipeee always, when I received a donation of € 7 on May 15 (thank you to our tipeur), I will only receive € 6.44 in my bank account on July 1 (8% and delay of 1 to 2 months),
  • Sure Ulule, during the campaign of Printers, we raised 3889 € on PayPal + € 7,016 by credit card. Total € 10,905. You must then deduct the costs PayPal from 195.68 € (5% fees) and those from Ulule 631.85 € …