[woodruffw]

I appreciate the offer, but I'd rather not. I should also be clear: I wrote this from the perspective of a lazy consumer; I'd rather pay and use a solution than write my own.

I'm not sure how Stellar will help me, unless my local bar has started taking XLM. I suppose I can ask them tonight.

[pacnobi]

Fair enough. I think this is a common misconception -- cryptocurrencies aren't for the "lazy consumer". They're financial plumbing and, especially at the moment, useful for very low level primitives.

To continue with your bar analogy and relate to Stellar, the bar would be unlikely to have any involvement with cryptocurrency. Someone else would build on top of Stellar so that you could pay USD at a Japanese bar and the bar would receive yen.

All of the features exist on Stellar to do that today for far less than a cent in transaction fees, settlement time in minutes, and less carbon impact than a single Facebook data center. The major barriers are all around regulation in the "real world", something that no cryptocurrency is equipped to solve. :)

[rvz]

> The major barriers are all around regulation in the "real world", something that no cryptocurrency is equipped to solve. :)

Correct. Unlike many other cryptocurrencies, the Stellar blockchain has the suitable use-case of powering CBDCs which is where more financial companies will side with if more regulations hit cryptocurrencies in the future.

[0] https://resources.stellar.org/stellar-for-cbdcs