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docs: mi/170/add-use-cases
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Added use case section to overview page.  Will link to remaining guides as they become available.
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hajjimo committed Dec 4, 2024
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Expand Up @@ -67,3 +67,23 @@ When an ASE adopts the Open Payments standard, clients (applications and other p
- ASEs and clients to create and deploy custom integrations to communicate with one another

Open Payments aims to simplify and democratize payments by providing a standardized, easy-to-integrate solution. This reduces development effort and enhances financial inclusion by making payment solutions more affordable and accessible to all.

## Use cases

Open Payments facilitates various use cases including but not limited to:

### Peer-to-peer payment transfers

As mentioned above, a sender with an account at one Open Payments-enabled ASE can send a payment to a recipient with an account at a different Open Payments-enabled ASE by sending the payment from the sender’s wallet address to the recipient’s wallet address. Thus, Open Payments brings a similar user experience to payments as email brings to person-to-person communications.

### E-commerce platforms

Open Payments can facilitate one-time payments directly between merchants and customers or via third-party marketplaces. A key difference between conventional e-commerce platforms and those enabled by Open Payments is that the payment function won’t be in the control of a sole payment processor or gateway. Refer to the [one-time payment guide](/guides/make-onetime-payment) for more details.

### Recurring payments

In addition to one-time payments that are common on e-commerce marketplaces, Open Payments can also be used to enable subscriptions or payments made at recurring intervals, such as those that are used for Buy Now and Pay Later (BNPL) plans. Refer to the [recurring payment guide](/guides/make-recurring-payments) for more details.

### Web Monetization

Web Monetization is a new and open API standard for website visitors to pay website owners and content creators directly from the browser to the website. As Open Payments is integrated with Web Monetization, website visitors can access content and support creators without going through a paywall. Website owners and content creators can receive payments without depending on any particular payment processor. Refer to <LinkOut href='https://webmonetization.org'>webmonetization.org</LinkOut> for more details.

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