CALL FOR ACTION TO ALL DEVELOPERS, CODERS, ENTHUSIASTS
Introduction - Scope - Goal
Create a decentralized marketplace for paying fiat bills with bitcoin (onchain or LN)
Description / case
For example I live on/off BTC for many yeears. I earn in BTC, I spend in BTC,I HODL too (of course).
I stop using banks years ago.
But also I still have to pay bills, normal electricity bills etc. Not all can be paid with Bitrefill.
So, I have a way to buy groceries directly with BTC, but some bills I can't.
Then I had some nocoiner friends that I onboard them easily by paying my fiat bills from their bank account then I gave them back BTC, directly. I help him, he help me, no BS KYC, no middleman, market price.
But then this friend also start buying a lot of BTC and now doesn't have anymore fiat in his bank account, so can't help me anymore.
Then I used many other intermediary services like:
- https://bity.com/products/crypto-online-bill-pay/
- https://www.piixpay.com/
- https://bylls.com/
- https://bitcoinwell.com/bitcoin-bills
- https://coins.ph/
- https://www.livingroomofsatoshi.com/
- https://coinsfer.com/
- http://coinbills.com/
- many other ways, cards etc, you know it.
All kinda shit, because you need to do KYC for paying a damn electricity bill. yeah I know is really fucked up. In the end yes, I found an electric company that accept BTC, I convinced my landlord to accept BTC, but still there are little bills in your life that come up and you need somebody to pay them.
Yes, these servicces worked as promoted, are paying your bills nicely and you give them sats, in exchange of % comission, is normal, you have to pay for their services.
But what about doing this in a more decentralized manner, more and more people will need to pay bills with BTC.
Why not having a "secret friend" that is always there to pay then for you, with no KYC, fast, escrow, not too many personal details given? Like a "bills marketplace".
Suggestion / Concept
Let's take the example of RoboSats.
http://robosats6tkf3eva7x2voqso3a5wcorsnw34jveyxfqi2fu7oyheasid.onion/
https://github.com/Reckless-Satoshi/robosats
Can be used this P2P eexchange also, but is not designed to have a form for bills details. But can be an example to start.
So we need something simple where users can make offers to pay others bills and the one that offers best price and is in the same currency area will win.
Like a Bisq of bills.
A chat room also is good, so users can exchange more personal details if is needed.
A standard form to offer the bills also is needed, but with certain level of privacy:
a. public level display: country, currency, amount in fiat
b. personal level display (only after the offer is taken): destination bank account, IBAN etc and most important in the description of payment, name and invoice number of the bill.
Buyer can make price offers based on BTC exchange rate and sellet can accept them or not.
Once is paid, the payer, will have to provide certain proof of payment. Usually banks send a confirmation email or print a receipt. That confirmation could be sent to the seller.
Once the payment is confirmed, seller release the BTC from escrow and exchange take a % comission.
Everybody is happy.
I am not a coder / developer, so I cannot make this for myself. So please if some great mind is out there, this is really needed to make Bitcoin adoption going forward.