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Solve your own problems
That's a good reminder. I don't have trouble buying anything. And as far as accepting bitcoin payments, btcpayserver has worked, and now there are so many different plugins and options.
What are my unsolved requirements?
- I do want an ability to spend from a lightning wallet at any of the many different kinds of payment terminals in the US (Square, toast, clover, etc)...maybe even at any place that takes a credit card. Ideally, this is not a Moonpay kind of middleman.
- I want an easy way to allow people holding fiat to onboard and off board a platform like SN -- if they stack sats, they need to be able to pull them out in a form that is spendable/useable for them. If they want to zap, they need a very low friction way to do that even if they don't have Bitcoin.
These are both pretty big problems and I've spent a fair bit of time thinking about how to route around them, but maybe that's my problem: I'm not willing to actually try to solve the problem (mostly because of defeatist thinking: "it's too big/difficult).
I'm going to spend more time on " how do I get what I want?"
I do want an ability to spend from a lightning wallet at any of the many different kinds of payment terminals in the US
What if you could get it all cheaper, privately, over the internet, paid with sats, without having to go visit brick & mortar? Would that be an acceptable alternative?
I want an easy way to allow people holding fiat
That's not for you, and fiat != bitcoin. The stablecoin mindset is a shitcoiner mindset, because the fiat it tokenizes is a shitcoin AND the tokenization contract doesn't have enforcement to the peg, so that is a shitcoin too. shitsquaredcoin.
It will not help you much knowing any of this anyway. You don't need to know what other people do with their money to solve your problems.
The question you could be asking yourself is: for what do I want to use Bitcoin and cannot, and how do I get what I want?
Solve your own problems, and if you have a satisfactory, reusable (or reusable after some work) solution, maybe you can build a product or service out of it. If you're looking for inspiration, check out what Justin & co are doing with shocknet, or how Zeus has evolved, or perhaps the best example (despite Nic being worried) btcpayserver.
All of them started with a personal/business requirement being unsolved.