Starts to make sense? I think you are making a lot of assumptions that non-technical people will understand any of this as opposed to simply opting for a completely turnkey black box solution.
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I was saying it makes sense from a merchant perspective, assuming customer wallets can do these swaps automatically. I was trying to think of a situation where i would be willing to to accept these with low risk.
Yes the biggest problem is like you described, you actually have to think hard about the actual tradeoffs