Some time ago i get aquainted with Stellar, have build several projects on it. And have had some practice. So I think in context of operating/programming - it's the best crypto/payment system. ( Once I needed system for micropayments, and I have searched and investigated most of popular crypto-systems, and.. I found Stellar - is the best of them. )
So on topic.
Stellar is developed as a system suitable for micropayments. With minimal commission. So it is also suitable for money collection between people, and also for crowd-funding.
What about idea to build such a system/tool based on Stellar? I think it would be nice to have crowd-funding system based on crypto-currency.
I cannot suggest it only as my idea, cause it connected to Stellar anyway.
But my suggestion - the system should be free, with commission 0. So everyone can use it.
I have found that idea nice and suitable. And I can build it by myself.
But I have found one bottleneck, that spoils the idea..
Well, I live in CIS. And as I found I cannot just exchange USD from my debit/credit card on StellarX-exchange. It is not supported.
So the bottleneck is - the commission on buying and selling stellar and converting it to fiat-money. In CIS, not USA.
My countings are following: if I can buy/sell XLM via StellarX, my 'commisson' would be 2%. It's good enough and almost 0.
But now, as I cannot exchange it via StellarX - my commission would be 10% - via other exchanges. 10% - it's very much, and no one would use a system with such high and difficult procedure of funds withdrawal. And that fact spoils the idea, and make it useless...
So my suggestion to developers and community. How about support for debit/credit VISA/Mastercard from CIS, and generally for any VISA/Mastercard? So that withdrawal of funds would become easy for everyone. Or maybe VISA-cards.
Is it possible? So that idea explained here would be implemented.