Flexa has enabled businesses to receive payments in cryptocurrency as a means to cut out card fees. Well, businesses don't exactly receive payments in crypto, but customers can pay in crypto and Flexa gives the merchant the USD equivalent. However, I understand that everyone who owns or wants to own crypto needs to buy crypto online with a credit or debit card- and this comes with a fee of usually 3-5% of the transaction amount (at least on major crypto exchanges). So customers end up paying the interchange fees instead of the merchant. So what is the true value of enabling crypto payments?