> For the complete documentation index, see [llms.txt](https://docs.tetreum.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.tetreum.com/token-and-governance/use-cases/payments.md).

# Payments

Tetreum's low-latency and low-fee design is positioned as a strong fit for everyday digital payments.

## Example benefits listed in the source

* Instant settlements in approximately 5 seconds
* Cross-border transfers without intermediaries
* Micropayments enabled by negligible gas costs

## Example application areas

* Decentralized e-commerce
* Subscription billing
* Digital services and pay-per-use models