* easy on-ramp for non-holders - this is the hardest
* easy to use wallets
* actually useful merchants that accept said crypto
* reasonable fees - that preferably beat visa/mc - this rules out most (crypto CC providers)
I have a side business in a field rife with CC fraud.
I am yet to find an easy to offer crypto payment solution that would entice customers.
Depending on the fees, the merchant could use say, Solana Pay [1] or MoonPay [2] and the user on-ramp is the Phantom Wallet [2][3].
All of that addresses every single bullet point.
[0] https://www.circle.com/en/multichain-usdc
[1] https://solana.com/news/solana-pay-announcement
[2] https://www.moonpay.com/business/onramps
I do not see the example link of user paying with Solana USDC?
In your links I did not see useful case studio OUTSIDE crypto space.
Your links show tons of crypto to crypto use cases. (currently emphasing being on various nft related services, like that phantom.app -> A beautiful home for all your NFTs).
I sell virtual products/services which are not related to crypto. I want to offer an ability for someone without any cryptocurrency to purchase these virtual goods from me.
So the chain could be https://www.moonpay.com/buy -> users uses some wallet -> payment widget on my site.(like old bitpay)
There have to be examples of a regular ecommerce shop having this functionality.
Again, I want Joe Sixpack with a CC but no crypto to come onto my site and pay with cryptocurrency in a user friendly manner.
Edit: ditto for solana pay, it looks like this was announced this month an "will" do a lot of stuff but doesn't exist
I don't think you can. It is too volatile to be used as a currency.
> Can I pay < .1% fees like I would with fiat and can I buy physical goods anonymously?
No. It is not anonymous and the fees are just as high.
> Or is it really just that I can send money to someone else? I've tried some googling but certainly not found anything definitive. If I don't want to "invest", why would I get BTC instead of cash for personal spending? Or is that not what it's for?
It is meant for peer-to-peer electronic cash. Using a wallet on an exchange defeats the purpose of 'peer-to-peer' and so does waiting for hours to send Bitcoins from one address to another which is slower than 'fast bank transfer'.
There are better cryptocurrencies and stable-coins suitable for that purpose.