The moment payouts get bigger, your payment stack stops looking like software and starts looking like forensic accounting.

One deposit. 47 charges. Fees somewhere else. Refunds on a different day.

If your accountant has to explain your own money movement, the integration didn't remove work. It hid it.

This is the hidden cost of centralized rails. Every layer adds opacity. Every middleman adds a reconciliation nightmare.

Crypto fixes this. On-chain = one source of truth. No hidden fees. No mystery deductions. Just transparent settlement.

If you're scaling volume and still using legacy payment stacks, you're not optimizing for growth. You're optimizing for confusion.