If you want to transact in USD shouldn’t you use USD rather than a different currency (BTC)? And if you want to use a block chain to transact in USD shouldn’t you use something designed for that like Ripple?
Is Ripple pegged to USD? I do not want anything complicated, just a coin or token that has a 1:1 ratio with USD. Charge me 5% or 10% to buy them or 5% on cash out.