[coryking]

What you describe is basically:

Fiat -> Credit Card/ACH -> Bitcoin -> Fiat -> ACH (on supplier).

You are basically adding at least two extra steps in a transaction vs. what exists now. How is this better than what exists now?

[natrius]

ACH is slow, so taking out the Bitcoin steps isn't possible today. Bitcoin wasn't required for this flow. PayPal had all the pieces, but they didn't put them together the right way.