On one hand I agree with blueyedlion, but on the other hand the cost of too many small transactions could be overkilling.
It makes more sense, imho, something that collects till a goal and then makes a single bigger transaction. The goal can also be useful for motivation (3 more coffees and you reach your 100$).
That's an interesting idea... As we get further along in the process of making payments real in Keep we may discover that batching transactions is the best way to move forward.