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MPP myths
"MPP only works with Tempo"
No. It's payment method agnostic — works with crypto and fiat, any chain. It's already been extended to Bitcoin Lightning; there's a draft extension for Solana.
"It costs 1.5% to use"
No inherent cost to using MPP. Individual payment methods may charge fees, but that's no different than today. Blockchains have different fees. Fiat methods have different fees.
"It's less open"
MPP launched with 4 payment methods on Day 1: Tempo (stablecoins), Stripe (various payment methods), Visa (cards broadly), and Lightspark (Bitcoin Lightning). Visa and Lightspark were each able to extend MPP in a matter of days. MPP does not have a complicated foundation structure — it's designed to be simple and extensible by anyone. It's also been submitted to the IETF as a web standard.
"It's session based vs. pay-per-request"
MPP supports both. The most basic version is pay-per-request. Sessions (payment channels) are useful when you want many small payments in succession at the speed of APIs, not blockchains. Fewer API round trips also means MPP is faster in practice.
"MPP is specifically designed for Tempo / Stripe"
It's designed to be as simple as possible. No complicated facilitator. No assumptions about specific smart wallet implementations, stablecoins, or chains. It separates secure HTTP communication from the payment rail. That's why Visa and Lightspark could extend it so quickly.

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