A Public Payment System That Works for Everyone

Lower fees, more fairness, and the foundation of a digital economy.

The Problem

Every time a small business accepts a credit card, they lose 2.5% to 3.5% in processing fees. These billions of dollars go to private companies like Visa, Mastercard, and PayPal—not toward public services.

For many small businesses, especially in healthcare and local retail, these fees mean the difference between surviving and shutting down.

We can do better.

The Solution:
A Government Run Payment Platform

The Freedom 2028 plan introduces a public payment processing system with a flat 1.5% fee:

  • 1% funds public programs like healthcare, infrastructure, and education

  • 0.5% funds cybersecurity, infrastructure, and fraud protection

This system would be secure, transparent, and easy to use. It replaces profit-driven middlemen with a public utility designed to serve people—not shareholders.

What It Offers

  • Real-time payments for individuals, small businesses, and agencies

  • Biometric ID and digital wallets for secure transactions

  • Built-in fraud protection and dispute resolution

  • Open API access for businesses, platforms, and banks

  • Privacy-first design with transparent oversight

How Much It Saves and Generates

Metric Value

U.S. card transaction volume (2023) ~$10 trillion

Current avg. private fees 2.5% to 3.5%

Public system fee 1.5% total

Annual savings for businesses $100B+

Public revenue (1% portion) ~$100 billion/year

Cybersecurity & infrastructure fund ~$50 billion/year

Preparing for a Digital Currency Future

This platform lays the foundation for a U.S. Digital Dollar, enabling:

  • Direct government-to-citizen transfers (like tax refunds or UBI)

  • Emergency aid disbursements

  • Transparent, programmable funding for public projects

Why It Matters

This isn’t just about fees. It’s about fairness.

A public payment system:

  • Supports small businesses

  • Reduces dependence on profit-seeking banks

  • Creates long-term, tax-free funding for vital programs

  • Prepares the U.S. for the future of money and digital identity

With Freedom 2028, we’re building the infrastructure for a fairer, smarter economy—starting with how we move money.