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It doesn't have to be custodial.
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Here's one, using BTCPay Server:
🎥 Pay using an NFC card (offline) - LightningNFC ⚡ | @thedavidcoen*
#27173
https://twitter.com/thedavidcoen/status/1524000413359427585
https://www.youtube.com/watch?v=4m-FQoUAs50
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Wish is wasn't custodial. Coinkite has cards without a custodia.