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A comment on 10 years of whatever this has been. Parent comment

Re:10 years of whatever this has been by sweetbitter on Thursday November 18, 2021 @02:33AM (#29263008)
"A purely peer-to-peer version of electronic cash would allow online payments to be sent directly from one party to another without going through a financial institution."
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Re:10 years of whatever this has been by 3np on Thursday November 18, 2021 @02:42AM (#29263059)
That’s been the case for years. One self-hostable payment solution is btcpayserver (also supports lightning).

(PayPal recently rolled out allowing users to use crypto assets including btc for any PayPal payments but arguably that is not “real adoption” in context of payments, as merchants still get paid in fiat with PayPal’s partner Paxos acting as intermediaries)

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