Retailers and e-commerce companies are Xumm's big winners (but not the only ones). As transaction costs pale into insignificance, revenues go up. Which is great news. And with micropayments becoming viable, so do all kinds of new business models. Partnering with Xumm also makes it easier to trade globally, since lower costs increase margins and strengthen your competitive edge. In addition to huge savings on transaction costs, Xumm also boasts a remarkable wallet, which is used to make payments and store almost anything of value: from euros and dollars to cryptos and loyalty credits. It sets you up today for a future in which the line between currencies and other digital assets is fading. A future in which your customers can pay in whatever they like and you receive the corresponding value in your currency of choice. Pesos for bitcoin, ethereum for Swiss francs - it makes no difference.