Excellent question, I haven't seen any yet.

If you would like to use this for newbies or people your trying to bring to Bitcoin then They don't have any Bitcoin yet ?

Showing the benefit to a purchaser is a two edged sword, if a person bought Bitcoin at $ 48,000 in January of this year and they spend today at a USD value of $ 41,867. Their purchasing power converted to USD is less.

Daily cost averaging is the bottom line.

Your question also applies to some of my customers, suppliers asking me same question. I guess I have to make something, but I'm running a business and have pretty much given up on trying to convert anyone away from fiat.

So, maybe merchants (like myself) are faced with the DCA of what and when we paid for certain goods including the what the inbound shipping was at X date.

In my opinion the free market, street prices actually determine what the selling price should be for both the wholesaler and the merchant retailer. But many still need to figure out to reference the USD in their signage for the end consumer, this is a long road.

I'm describing myself as a merchant, but in reality, we are a small manufacturer, importer, exporter, wholesaler to other smaller traders mainly from OUTSIDE of the USA, so we also have to deal with what their fiat currencies are dealing with.

Using Bitcoin (via Lightning) for buying and selling goods In my case is much, much, much easier to work with traders OUTSIDE of the USA, I get too much conservative thinking here in Honolulu and the Mainland USA on "accepting Bitcoin".