I am very excited for this. I believe the settlement time for this transaction could be very low.
1: NFC to move ecash tokens to merchant device
2a: if merchant trust mint, reissue ecash to themselves.
2b: if merchant does not trust mint, sweep with lightning to themselves.
The case for 2b is a little more complicated because the sweep would incur fees that the merchant may want to charge the customer for.
Overall though this seems like a super good payments flow, I love it!
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Pretty normal to charge a small surcharge to cover possible fees.
2a will also incur fees