Imagine a small Bitcoin community where every business has its own LN node, covering the entire supply chain from producers to consumers. In that world, traditional payment terms like net 15 or net 20 may become obsolete. Because the instant settlement nature of Bitcoin, enables immediate transactions.

The concept of “debt” changes significantly. Producers receive immediate payment when a business buys goods from them. Similarly, businesses get instant settlement from buyers. Paychecks can also be settled instantly, eliminating the need for employers to owe employees money for weeks or even a month.

A short payment term is also possible. For instance, a producer can have a smart contract with a business, receiving instant payment for every product sold. Part of the payment goes directly to the producer, part to the employee, part to business expenses, and the rest to the employer’s wallet.