Built anypay.today - I often was paying at merchants who wanted Litecoin, XMR, or some other coin I did not have. Lightning is the best payment rail, but half the places that accept crypto won't take it. Legacy systems, etc. Some would take on-chain Bitcoin, but 1.) why? 2.) fees could be high 3.) privacy - I am not paying on-chain from my wallet. Polymarket won't take Bitcoin through lightning. Most Coinbase Commerce merchants won't - they say it's "too difficult". XMR addresses obviously won't. I want to use these new cypherpunk rails - much better than credit card, even if they don't conform to my religion. So you either keep altcoin balances around — different wallets, different seeds, more to manage — or you swap before every payment and wait for confirmations. anypay.today removes the swap step. Scan the QR, pay from your Lightning wallet, the recipient gets whatever coin they were expecting. No custody on our side (although swap services we use might take temporary custody), no KYC. No coins go through our service, it's entirely a front-end to swap services that finds a path. PWA, install to homescreen. Try it. Then click, scan a QR code, click Pay with lightning and confirm in whatever lightning wallet you are using.

AnyPay: Pay any sane QR code