@jakec_overview: 🚨 PAYMENTS GOING TO ZERO? David Schwartz highlights a big idea: If payment costs approach zero… the system changes. 👀 XRP is built around that vision— fast, low-cost value transfer at scale. 🌐 Think: Email → killed the cost of communication Low-cost rails → could reshape money movement Big potential… but it depends on real adoption, not just tech. 🚀 #XRP #Payments #Fintech #DigitalAssets #Blockchain