Dwolla is a fantastic idea and provides a great alternative to credit card networks for payments.<p>One of my sites uses Dwolla as the sole payment processor and also we piggyback off of their verification process to weed out bad actors. I figure that since Dwolla is built off of US banking networks, their user verifications are subject to regulations under the Patriot Act, so probably is good for filtering out the riff-raff from our platform.<p>Ben Milne seems like a good & thoughtful CEO with a long-term mindset, which is refreshing to see in the tech startup culture.<p>My biggest gripe is that I constantly get complaints from people outside the US because they can't use Dwolla, and I hate being accused of neglecting our international friends.<p>I guess my other gripe is that I have thousands of dollars worth of transaction fee credits from referrals... guess those are worthless now :)
For all standard transactions, Dwolla seems to handle micro-transactions much better than BTC ever hoped to.<p>Even BTC has a built-in transaction cost with every transaction (only a few pennies, but that's still more than Dwolla).