The reason I have built AnyPay.today is that I was dreaming of removing friction in payments. In my book Cryptocurrencies - Hack your way to a better life (linked below), I have written two pieces. One was a vision of a nice user-facing wallet that can just scan any crypto QR code and pay it. While people have religion, we should make use of any opportunity to pay in a private and decentralized way. While wallets are integrating swap services, there are several problems with the implementations. More on that later. But the main idea is "The law of cryptocurrency isomorphism" (

Juraj Bednar

The law of cryptocurrency isomorphism

I'm assuming you've never heard of the law of cryptocurrency isomorphism, because I just made that name up. But it's been around for...

). This has two benefits: 1.) Although we can pick what we use and save in, we have access to the whole network 2.) It is not possible to ban a single cryptocurrency. Either you ban them all, or none at all. Back to the wallet issue. There are a few wallets that have integrated some form of swap services, but they have a few limitations. Often these are on-chain wallets that need some kind of confirmation. And that leads to timeouts on merchant side, or you waiting a line for coffee and waiting for the first transaction to confirm to get your coffee, blocking the line. And often they have limited support. Lastly, a lot of swap services have issues with lightning (stuck channels without incoming liquidity). Anypay.today solves this in a few ways: - First leg is either Boltz or Lendaswap which have good incoming liquidity for Lightning - If they can't swap to target currency, it goes through USDC on Arbitrum (fast confirmation, good liquidity) and Trocador. - Because the source is always Lightning, it has instant finality, no need to wait for confirmation on swap side, it takes a second. The recipient sees incoming transaction on their target chain almost immediately (swap services still take some time, but seconds, not minutes). If they accept zero-conf (most physical stores do), you are taking your fancy hipster flat white in a few seconds. - Because the source is always Lightning, you have sender privacy - We use Trocador with filtered providers, so there is never a KYC issue. You get your trocador swap ID, so if there's any problem with a swap (sometimes happens), you can deal with Trocador immediately (we are only front-end, we don't provide support). - It's a PWA (web app that you can "Install" on your phone's home screen) that gives you a lightning invoice to pay. That means we don't force you to choose a lightning wallet we prefer - use whatever you like. The flow is simple - open app, scan a crypto QR code, fill anything missing (if it's just an ETH address for example, we need to know token, network and amount - we parse everything that is in the qr code). Click to pay the invoice, your Lightning wallet opens and you are good to go. Book:

Cryptocurrencies – Hack your way to a better life – Hack Yourself!