> For the complete documentation index, see [llms.txt](https://metya.gitbook.io/metya/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://metya.gitbook.io/metya/problem-statement/the-break-in-earn-hold-spend.md).

# The Break in “Earn → Hold → Spend”

* Long, lossy paths: Multiple conversions/bridges/gas points cause drop-offs.
* Cost & uncertainty: Gas/FX/spread/fees stack; volatility increases spend hesitation.
* Missing credit/risk models: No standard reputation; hard to tier limits/risk for pay/tip/subscribe.
* Reconciliation gaps: On-chain events don’t map cleanly to off-chain ledgers, delaying rebates, revenue shares, and disputes.