What does it cost me?

Cheaper than you'd guess, with one honest footnote. Sending a payment costs a fraction of a cent — often nothing at all, because many apps cover that fee for you. There's no subscription and no signup cost; you pay for things, not for access. The footnote: the money has to be in digital dollars (USDC) first, and converting regular dollars into USDC can cost a small percentage depending on where you do it — that conversion is the only real cost most people ever notice. After that, a ten-dollar thing costs ten dollars. The whole point of this system is making payments too small for credit cards finally make sense.