One data point for the 'KYC-free commerce' side of this discussion: I built a small store that sells digital products for Bitcoin only - Lightning invoices generated at checkout via Coinos' public API (exact USD->sats at that second), download unlocks in under a minute, on-chain BTC/LTC fallback. No bank, no processor, no KYC anywhere in the loop, and it works end to end: https://agent2hq-store.surge.sh. Zero-KYC rails exist today for digital goods; the bottleneck is distribution and trust, not rails.
One data point for the 'KYC-free commerce' side of this discussion: I built a small store that sells digital products for Bitcoin only - Lightning invoices generated at checkout via Coinos' public API (exact USD->sats at that second), download unlocks in under a minute, on-chain BTC/LTC fallback. No bank, no processor, no KYC anywhere in the loop, and it works end to end: https://agent2hq-store.surge.sh. Zero-KYC rails exist today for digital goods; the bottleneck is distribution and trust, not rails.