Why crypto checkouts lose most of their buyers

Card checkouts lose roughly seven buyers in ten. Crypto checkouts lose more than eight, and the gap is not explained by price, trust or volatility. It is explained by the fact that a crypto checkout asks the buyer a question that a card checkout never asks: which network are you on?

The question sounds reasonable to the engineer who wrote it. It is unanswerable for most of the people who see it. A buyer holding USDT knows they hold USDT. Whether that balance sits on Tron, Ethereum or BNB Chain is a detail their wallet has spent years hiding from them, and the checkout has just made it load-bearing.

What follows is a chain of small failures. The buyer guesses. The guess is wrong, or right but expensive. They open a second tab to bridge. The bridge asks for a gas token they do not hold. Somewhere in that sequence the purchase stops being worth the effort, and the merchant never learns why, because nothing failed loudly enough to be logged.

The fix is not a better network picker. It is not showing one. If the checkout accepts every chain the buyer might already hold, the question never has to be asked, and the entire failure chain below it disappears at once.

That is the whole argument for Tender. We did not make the picker friendlier. We deleted it.