Front toward enemy. @seyitaylor on twttr. 

1. fees for small businesses should go from ~3-4% to <1%. the average small business *total* margin is 3-6%, so this is a doubling of their margin.
2. choice for small businesses (POS, accounting, tax) and consumers (wallets, rewards) should dramatically increase bc it's all in an open ecosystem vs. locked into a specific platform
3. UX for small businesses and consumers should get 10x better bc we'll have so many more people building great solutions on top of the open platform