That's a goal with the BTCPay app project https://github.com/btcpayserver/app

There's been some discussion of a BOLT 12 protocol modification to allow for Zaprite to integrate with merchant LN wallets.

There's of course all the challenges of mobile including availability to sign to receive money. Async payments protocol helps but whether applicable to a merchant depends on the volume and type of merchant.

Right, like BTCPay :) (or, Zaprite)

refunds? accounting?

Kinda. It is a bearer asset in that if you lose the token you lose the (claim to the) money.

Accepting a LN payment right away requires online access and interactivity. If you have that then you also can settle the e-cash payment immediately.

This would mean you never received the payment.

Response from Bitwise ETF https://x.com/teddyfuse/status/1792535008021790813

The receiving wallet can swap the token from the sender's mint to a token from the receiver's mint trustlessly via LN, with all the complexity hidden from the user.

What is your concern with BITB? It has sufficient AUM to have negligible spread.

You are concerned about the spread of BITB? How often do you buy and sell it?

Yes, correct. Small miners would need to rely on 1 or a handful of entities that were specialists. This would be a very strong centralization effect on bitcoin and would effectively create permissioned bitcoin mining as you'd need to register with one of these entities in order to be competitive as a miner.

Then, these handful of entities could effectively dictate the rules of bitcoin in the future and censorship-resistance would be lost.

Hard to see how bitcoin would have much value if only a few entities had this much power.

It is when a miner needs to pay top developers to develop software that maximizes fee revenue from transaction selection. Versus using free open source Bitcoin Core.

Yes

With the proxy all should be supported

The benefit of a phone over a laptop for many people is that they only own a phone.

Also, phone's are far less likely to be infected by malware than a laptop.

Need wallets to adopt them

So there is a capital gains tax event incurred? (at least in jurisdictions where there is a tax event when selling/swapping an asset)