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They’re tapping their phone at the terminal and laughing at me or the merchants fumbling with the QR codes.
I think that there are ways to work with Apple nowadays to get around their NFC restrictions, which has for almost a decade been the primary reason to not do custom ISO-14443/18092 implementations and instead lift off of EMV.
In the past, developing a (rights-free!) broad standard on top of that would take ~18 months - I know because I've done it, more than once. I think that today, this can be done in half of the time because a PoC phase can be done very rapidly if the design phase is done right. Because you can get an NFC reader + controller for 30k-40k sats today, it means that over a timeframe of 3 years, we can go from zero to deployment anywhere: all the hardware exists.
The main obstacles:
- Consumer-side closed ecosystems
- Patent trolls (proximity comms space is filled with these)
- Funding to have continuity for a few years
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It’s not as smooth paying experience compared to tap-and-pay.
I have stopped demonstrating to normies how “fast and smooth” Bitcoin Lightning payments are. They’re tapping their phone at the terminal and laughing at me or the merchants fumbling with the QR codes.