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I don’t see people outside US and western countries using this where there are very few credit card protections. Especially countries like India which could be a big market has a second otp based auth on all cards for each payment which wouldn’t work with this.

On top of that the avg income of an Indian user is less than 300$ per month, do you think they have a credit card? Much easier for them to ask for link and buy it themselves rather than any sort of surprise charge that can’t be refunded.



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