2026-03-06T03:58:10Z https://yabu.me SimonConsulting https://yabu.me/npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs https://blossom.primal.net/5ce4f3189313221e4a66fccbfe4bd19013db2fa192107af3405c951740ea84d6.png https://blossom.primal.net/5ce4f3189313221e4a66fccbfe4bd19013db2fa192107af3405c951740ea84d6.png https://yabu.me/nevent1qqsvvzvr6yfrgn6cry54saytp0twpnl44e4zls99cgz8vv86nk24kfgzyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtqu9mw2c Stablecoins have become one of the fastest-growing segments of the crypto ecosystem.<br/><br/>But according to the Financial Action Task Force (FATF), they are also becoming increasingly visible in money laundering and sanctions evasion activity.<br/><br/>A new FATF report highlights how the combination of global accessibility, fast transfers, and peer-to-peer transactions through unhosted wallets can create new challenges for AML oversight.<br/><br/>➡️ Swipe through to read the key takeaways from the FATF report.<br/><br/>#compliance #stablecoins #crypto #blockchain #stablecoin #fatf #aml #antimoneylaundering #fincrime<br/> <br/><br/><br/><br/> <img src="https://blossom.primal.net/b8f3424097bbb7d43316766217f8f945d22fd915c8a9f3b5a9c078c6fab38aad.png"> <br/> <img src="https://blossom.primal.net/404f2dbd30a703fc95e95bacbed46dcc58353af91c0590c40b8cda1b3990971d.png"> <br/> <img src="https://blossom.primal.net/2f867710a9c7d7635da815c0e1ad8f6918baa5227be0f7791897a8cd5fc26dca.png"> <br/> <img src="https://blossom.primal.net/9059b8e17e1a20a4b3d9adeffd9db4f61a12bc5105c2a70d9a4e2f9bc75bc991.png"> <br/> <img src="https://blossom.primal.net/d98f55968cd14acfd16b973214c84c58eedddfcf913a1ae8d858fb6e66f1505a.png"> <br/> <img src="https://blossom.primal.net/4c5915bfb875cd5eebb48dabcec18f3289f68ce902ad14b56828eb5aad294119.png"> <br/> <img src="https://blossom.primal.net/f246d24de2ef1dfcd14e4875d66ba9b21360d8e8ad2920fbb7dbaa2389b34f50.png"> <br/> <img src="https://blossom.primal.net/a71d473faa4dfa90f7395f7a9ef96a11a2ec8c9638fe683c957298fff3594a08.png"> <br/> <img src="https://blossom.primal.net/1f9344045092a5b65bbfebbda42734cfeb92a2c06c5680709228d2b58726588a.png"> 2026-03-31T21:24:42Z https://yabu.me/nevent1qqst3xa0lvquxs9yccvg68dttwxmq6f9tvytvr9rpyprs7e2prdgqpqzyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtqjvjpfq We’ve been discussing the Trojan Horse strategy for months, and today it became a reality. Square’s decision to auto-enable Bitcoin Lightning for 4 million merchants is the definitive move toward Bitcoin as a global payment rail.<br/><br/>The Strategic Reality:<br/>1. Bypassing Inefficiency: By leveraging the Lightning Network, Block is providing its merchants with a low-cost, instant settlement layer that SWIFT and traditional merchant processors cannot compete with.<br/>2. Competitive Advantage: Businesses that keep their Bitcoin (rather than auto-converting to USD) are effectively moving from a &#34;leaky bucket&#34; currency to a long-term value store.<br/>3. Institutional Signal: Following the $1M SDM/Kraken settlement, this move by Square proves that the infrastructure is ready for both macro-settlement and micro-retail.<br/><br/>The Consulting Take:<br/>If your business strategy hasn&#39;t accounted for Bitcoin-native settlement yet, your competitors just got a 4-million-merchant head start. The plumbing has officially been upgraded. 🧱⚡️<br/><br/>#SimonConsulting #FintechStrategy #Square #Block #LightningNetwork #InvisibleInfrastructure #PaymentsExpert <br/><br/><br/><br/> <img src="https://blossom.primal.net/f1d96ad7cde02dd85882b3d0fb0b10a17d52024dd71638a77fed538193a1040e.png"> 2026-03-19T03:34:46Z https://yabu.me/nevent1qqsd0qzgvl9ss7rka0vgg6m9hy8s0an94ra3elz9m246udy4dj3y5kszyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtqsph42k At Simon Consulting, we believe the &#34;heated&#34; debates over Bitcoin protocols often miss the forest for the trees. For a fintech or a merchant, the protocol matters less than the User Experience and Regulatory Feasibility. ⚖️⚡<br/><br/>This is why we are closely tracking the developments of e-cash protocols like <span itemprop="mentions" itemscope itemtype="https://schema.org/Person"><a itemprop="url" href="/nprofile1qqs0y3tvskgs9gpgxxu5ahgz3fmms3rzmxt504qceqtz4a6pdgfwlkgppemhxue69uhkummn9ekx7mp0qywhwumn8ghj7mn0wd68ytnzd96xxmmfdejhytnnda3kjctv9ue5cmar" class="bg-lavender dark:prose:text-neutral-50 dark:text-neutral-50 dark:bg-garnet px-1"><span>Cashu</span> (<span class="italic">nprofile…cmar</span>)</a></span>. Seeing built-in ecash wallets in our favorite #Nostr clients (shoutout to the latest NIP-60 implementations!) shows that privacy and speed are finally meeting at the application layer.<br/><br/>The recent launch of the Numo Pay POS app is a perfect example of what we advise our clients to build: a hardware-free, NFC-enabled &#34;Tap-to-Pay&#34; experience. By settling via Cashu and Lightning, it offers the convenience of Apple Pay with the sovereignty of #Bitcoin. 📲🤝<br/><br/>Whether it’s stablecoins on #TaprootAssets for b2b settlement or ecash for retail privacy, we help our clients navigate these choices to build the most efficient, compliant payment rails on the market.<br/><br/>Our focus remains the same: simplifying the complex and building bridges that actually work for global commerce. If your firm is ready to lead the shift to Bitcoin-native rails, let’s talk strategy. 🏗️🛠️<br/><br/>#Fintech #Bitcoin #Ecash #Cashu #NumoPay #Payments #SimonConsulting <br/><br/> 2026-03-06T04:12:34Z https://yabu.me/nevent1qqsdeggfpwrhfqw7unvzteanq9wy4l75wzfwvequju38xflqlhc9e5czyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtq44m5xl In reply to <a href='/nevent1qqswc03rfwxwrmhlfww8gxpj6ye58cmysyhmzj8uk4nflzggqykwshss9swpj'>nevent1q…swpj</a><br/>_________________________<br/><br/>Managed to create the wallet successfully, thanks again for the tip. <br/><br/> 2026-03-06T03:54:01Z https://yabu.me/nevent1qqswc03rfwxwrmhlfww8gxpj6ye58cmysyhmzj8uk4nflzggqykwshszyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtqmsfmju In reply to <a href='/nevent1qqswzuv0dace6mrwk5dpkh26w8scjtjs3v9ahlpe5rs96736nsn7uaswxysp7'>nevent1q…ysp7</a><br/>_________________________<br/><br/>Thanks for the heads up and the suggestion. Was not aware of that. Will try out the Rizful wallet today. <br/><br/> 2026-02-27T15:56:25Z https://yabu.me/nevent1qqsywen6aw400a29kt8h0snf3e3qhc8sp04pj66xwuze2egntvk35fgzyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtq4uxkpr In reply to <a href='/nevent1qqswlnma45yk87fdhgk8flgs7ygzcradkgnqj2dddu8rr3qhtv5tvjclp52pf'>nevent1q…52pf</a><br/>_________________________<br/><br/>Online education <br/><br/> 2026-02-27T08:03:27Z https://yabu.me/nevent1qqs8dpnut7n764ewl40as8u53rsx2d64ckpc4y8qs4e9t8fw2pfmzwqzyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtq29t5tj The Odido breach is a massive wake-up call for Dutch businesses. 🇳🇱📉<br/><br/>With 6M+ customers compromised by ShinyHunters, the leak of IBANs and ID data isn&#39;t just an IT fail—it&#39;s a long-term &#34;security hole&#34; for identity theft.<br/><br/>Odido rightly refused the ransom, but the data is now out there. At Simon Consulting, we advocate for a &#34;Don’t Trust, Verify&#34; approach: data minimization and sovereign security are no longer optional.<br/><br/>Protect your clients before the breach happens. 🛡️🧱<br/><br/>#Odido #CyberSecurity #DataPrivacy #SimonConsulting #Netherlands #Don’tTrustVerify <br/><br/><br/><br/> <img src="https://blossom.primal.net/45d42056d469140a101e1916cb0e6018ec99cf461555ea6890c9194ad8924568.png"> 2026-02-27T07:47:24Z https://yabu.me/nevent1qqsz26fz8sgc4mpjwqvxtff8jhks7ek2y7tssu56cc675ln5kqvx3fczyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtqm73vfm Read this very interesting article written by our founder and CEO <span itemprop="mentions" itemscope itemtype="https://schema.org/Person"><a itemprop="url" href="/nprofile1qqs0j3qunythc4mwt5070rcpkdfy6aa4zmf6rddeukmfy2zs07uwz5gprdmhxue69uhkx6rjd9ehgurfd3kzumn0wd68yvfwvdhk6qguwaehxw309a5x7arjd9nksarwdamjumn0wd68yvfwvdhk6nslm3h" class="bg-lavender dark:prose:text-neutral-50 dark:text-neutral-50 dark:bg-garnet px-1"><span>Pierre Simon</span> (<span class="italic">nprofile…lm3h</span>)</a></span> about the evolution of European payments <br/><blockquote class="border-l-05rem border-l-strongpink border-solid"><div class="-ml-4 bg-gradient-to-r from-gray-100 dark:from-zinc-800 to-transparent mr-0 mt-0 mb-4 pl-4 pr-2 py-2">quoting <br/><span itemprop="mentions" itemscope itemtype="https://schema.org/Article"><a itemprop="url" href="/naddr1qq24wdm4d9yyvtt6tau9ya3323ej6knttfexgq3ql9zpexgh03tkuhglu78srv6jf4mm29kn5x6mnedkjg59qlacu9gsxpqqqp65wlweash" class="bg-lavender dark:prose:text-neutral-50 dark:text-neutral-50 dark:bg-garnet px-1">naddr1qq…eash</a></span> </div> <p>The European payment landscape in 2026 is defined by a deep tension between institutional stability and grassroots innovation. For decades, the &#34;rails&#34; of commerce were invisible—merchants accepted cards because that was simply what one did, paying a quiet but significant percentage of their revenue for the privilege of participating in the global economy. Today, that invisibility has vanished. Merchants are now active strategists, navigating a world where the traditional &#34;Sovereign Rails&#34; of the European banking system are being challenged by the &#34;Sovereign Protocols&#34; of the Bitcoin ecosystem. This evolution is not merely a technical upgrade; it is a fundamental shift in how value is settled, who holds the keys to liquidity, and how much a business must pay to simply exist.</p> <p><strong>The Institutional Baseline: Efficiency within the Walled Garden</strong></p> <p>Traditional payments in the EU are currently shaped by the ambitious PSD3 directive and the finalized Instant Payments Regulation. These legal frameworks were designed to break the dominance of non-European card schemes by mandating that SEPA Instant transfers be as cheap and accessible as standard bank transfers. The flagship of this movement is Wero, the pan-European digital wallet. For a merchant, Wero represents the ultimate refinement of the traditional system. It bypasses the high interchange fees associated with Visa and Mastercard by moving money directly from the customer’s bank account to the merchant’s account in under ten seconds.</p> <p>In specific regions, local champions still dictate the flow of commerce. In the Netherlands, iDEAL has evolved into a powerhouse of e-commerce, while in Spain, Bizum has transitioned into a viable merchant solution. The allure of these systems is their familiarity and their regulatory &#34;safety net.&#34; When a merchant uses a standard card terminal, they are operating within a system that handles their compliance and plugs directly into their existing accounting software. However, this convenience comes at a price: the merchant remains a &#34;tenant&#34; on someone else’s infrastructure, subject to account freezes, data harvesting, or sudden fee hikes.</p> <p><strong>The Bitcoin Alternative: Scaling via Ecash and Protocols</strong></p> <p>While the banking sector was busy refining the Euro, a parallel ecosystem was built on the Lightning Network and the Cashu protocol. By 2026, Bitcoin has evolved into a high-velocity payment rail. The breakthrough that finally solved the &#34;scalability vs. privacy&#34; debate for everyday users was the rise of federated ecash.</p> <p>Consumers are increasingly choosing ecash wallets like <a href="https://yakihonne.com/profile/dev@minibits.cash">Minibits</a> or FEDI. The reason is simple: they are incredibly easy to set up, require no complex channel management, and offer near-perfect privacy. From a user&#39;s perspective, paying for a coffee with Minibits is as seamless as a &#34;Tap-to-Pay&#34; transaction. Behind the scenes, the wallet uses blinded tokens that move instantly without bloating the Bitcoin blockchain. This makes ecash the ideal &#34;daily spender&#34;—it is fast, cheap, and private, mimicking the physical cash experience in a digital format.</p> <p>For the merchant, the entry point is equally frictionless. The recently launched <a href="https://numopay.org/">Numo Pay</a> app allows a shop owner to turn any Android phone into a Point of Sale (POS) terminal by leveraging these same ecash protocols. A merchant types in a price, the customer taps their phone, and the transaction is complete. While ecash is technically a custodial model (funds are held in a &#34;Mint&#34;), it provides the high-speed liquidity needed for a busy retail environment.</p> <p><strong>Nostr: The Merchant&#39;s Social and Financial Layer</strong></p> <p>A critical evolution in 2026 is the integration of Nostr as both a marketing and a payment orchestration layer for businesses. Merchants are no longer just &#34;accepting&#34; payments; they are building a community on a decentralized protocol. By using a Nostr client like YakiHonne, a business can publish long-form updates, product launches, and catalogs directly to their followers without the risk of being de-platformed by a central authority.</p> <p>The true magic happens in the connection between social and financial. Within these Nostr apps, merchants can link their preferred Lightning wallet via Nostr Wallet Connect (NWC). This creates a unified experience where &#34;zaps&#34; (micro-payments) and product purchases flow directly into the merchant&#39;s treasury. For merchants prioritizing speed and privacy, YakiHonne and other modern clients allow the use of ecash wallets like Minibits directly within the app. This means a merchant can receive ecash tokens for their digital content or physical goods with the same ease as a social media &#34;like,&#34; while maintaining the option to sweep those funds into a more permanent self-custodial vault.</p> <p><strong>The Merchant&#39;s Path to Sovereignty: Self-Custody and Off-Ramps</strong></p> <p>As merchants become more comfortable with the ecosystem, their strategy often matures toward full sovereignty. While they may use Numo for the &#34;front-end&#34; tap-to-pay experience or Nostr for community engagement, their &#34;back-end&#34; treasury is increasingly held in robust, self-custodial wallets like Bitkit or Blitz Wallet. These wallets allow merchants to be their own bank, holding the private keys to their revenue and interacting directly with the Lightning Network without intermediaries.</p> <p>The final piece of the puzzle for a European business is the &#34;Bridge to Fiat.&#34; This is where a <a href="https://yakihonne.com/profile/nprofile1qqstpkv7ykr7fe99wxh84ef5xr5h5g3xex3d2mrgk39hz4m0n3ad93qm0nzvx">Bringin</a> account becomes essential. Bringin provides a compliant interface for Europeans to bridge the gap between self-custody and the traditional banking system. By providing a personal virtual IBAN, Bringin allows a merchant to off-ramp Bitcoin into Euro instantly and safely. A merchant can receive Bitcoin via their Blitz Wallet, and when they need to pay their electricity bill, they send a portion to their Bringin IBAN, where it arrives as a SEPA Instant transfer in seconds.</p> <p><strong>Achieving Total Connection: The Integrated POS</strong></p> <p>A significant advantage for modern merchants is the ability to achieve a &#34;Total Connection&#34; between these various tools. The Numo app, for instance, is far more than a simple payment receiver; it is a professional Point of Sale suite. It allows merchants to create detailed product catalogs, organize items into categories, and manage inventory directly on the phone.</p> <p>Crucially, Numo supports auto-withdrawal settings. By providing a Lightning Address, a merchant can instruct Numo to automatically sweep received payments to another destination. This allows for an elegant, automated flow: payments collected via Numo’s merchant interface can be sent instantly to a self-custodial treasury like Blitz Wallet or directly to a Bringin vIBAN, which comes with its own native Lightning Address.</p> <p>For the modern merchant, understanding the hardware and wallet ecosystem is vital for a smooth customer experience. The tap-to-pay function on Numo requires a compatible Cashu Wallet, such as eNuts, Sovran, Macadamia, <a href="https://yakihonne.com/profile/nprofile1qqs0y3tvskgs9gpgxxu5ahgz3fmms3rzmxt504qceqtz4a6pdgfwlkghwl6j8">Cashu.me</a>, <a href="https://yakihonne.com/profile/dev@minibits.cash">Minibits</a>, or Phoenix. Lightning payments, on the other hand, work with practically all common wallets, including <a href="https://yakihonne.com/profile/hello@getalby.com">Alby Go</a>, <a href="https://yakihonne.com/profile/community@blink.sv">Blink Wallet</a>, Cash App, <a href="https://yakihonne.com/profile/nprofile1qqswq087qywczsjtkc9p960tpjcvn35gcdr39smefsr49cr33vmfaus2dmxmc">Fedi</a>, Muun, Strike, Wallet of Satoshi, or Zeus. It is important to note that the NFC function for Bitcoin Tap-to-Pay currently only works on Android devices, as direct NFC payment is not possible on iPhones due to iOS restrictions. However, iOS users can still pay via Lightning QR without any problems, ensuring no customer is left unable to pay.</p> <p><strong>Summary Comparison of Payment Rails</strong></p> <p><img src="https://image.nostr.build/3006210f91212376f9a11e1f989d4e66b0e915780d28d3527774c1f914d07c41.png" alt="image"/></p> <p><strong>Conclusion: The Winner is the Open Protocol</strong></p> <p>In the final analysis, the &#34;best&#34; payment method for a European merchant in 2026 is a hybrid stack that prioritizes autonomy. While Wero and SEPA Instant have improved the status quo, they remain permissioned systems subject to the whims of centralized policy.</p> <p>The winning strategy for the modern merchant is the Protocol Stack:</p> <ul> <li>For the Consumer: Convenience and privacy via ecash wallets like Minibits.</li> <li>For the Community: Censorship-resistant engagement and zaps via Nostr.</li> <li>For the Terminal: Catalog management and POS ease via the Numo app.</li> <li>For the Treasury: Absolute control via self-custodial wallets like Blitz or Bitkit.</li> <li>For the Bridge: Instant SEPA off-ramping via Bringin’s vIBAN and Lightning Address.</li> </ul> <p>By combining these tools, a European business can finally reclaim the &#34;card tax,&#34; eliminate the risk of frozen accounts, and provide their customers with the most private and efficient payment experience in the world. The bridge to the Bitcoin standard is no longer a theoretical concept; it is a functional, everyday reality.</p> </blockquote> 2026-02-26T10:54:34Z https://yabu.me/nevent1qqswcc4n85uaffw64xudrclf0fqdjyz03tfusxektk2rf2v99afhdjqzyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtqdwcxtp Payments made easy! <br/><blockquote class="border-l-05rem border-l-strongpink border-solid"><div class="-ml-4 bg-gradient-to-r from-gray-100 dark:from-zinc-800 to-transparent mr-0 mt-0 mb-4 pl-4 pr-2 py-2">quoting <br/><span itemprop="mentions" itemscope itemtype="https://schema.org/Article"><a itemprop="url" href="/nevent1qqsp38erd4vvl9r3ef48gq0y8evse9uws6560lakkc5qu7k0ux50jmgzyrey2my9jyp2q2p3h98d6q52w7uygckejaragxxgzc40wst2zthajqcyqqqqqqgels07g" class="bg-lavender dark:prose:text-neutral-50 dark:text-neutral-50 dark:bg-garnet px-1">nevent1q…s07g</a></span> </div> Accept contactless Bitcoin payments on any Android.<br/><br/>Numo uses Lightning for instant settlement.<br/><br/>@Cashu Ecash enables payments even offline.<br/><br/> <img src="https://blossom.primal.net/f66605d1a6aefda3fb57dc21d420ccffa99cfff2d202601ae0f82861dd957dc0.webp"> <br/><br/>Free to use. No fees. Open source. <br/><br/>No setup required. Choose a mint and start accepting payments.<br/><br/>Let's make Bitcoin everyday money.<br/><br/>Beep. Done.<br/><br/><a href="https://numopay.org/">https://numopay.org/</a> </blockquote> 2026-02-24T17:48:49Z https://yabu.me/nevent1qqsveflxl07quamey5gjh59s0h28fghwhgcmn2feyqwjcdwneypnexszyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtqzn0msh In reply to <a href='/nevent1qqsr90gmplwaz8wv6nes7tjwjyweg54dfe4eukay3sz44ckhef2eqtgpz4mhxue69uhkg6t5w3hjuur4vghhyetvv9ussvmuun'>nevent1q…muun</a><br/>_________________________<br/><br/>Nice logo ;) <br/><br/> 2026-02-23T09:43:18Z https://yabu.me/nevent1qqs0p2v0e2s097hz82rtkr7m2uv3muwcpd5s5dc5nleefn36cgk639czyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtq908ksh <span itemprop="mentions" itemscope itemtype="https://schema.org/Person"><a itemprop="url" href="/nprofile1qqsrtv3u6qkj6a09tnhr3l0wy67g9uw3t57ftqyqpvztpk3wmd6306spp3mhxue69uhkyunz9e5k7qg4waehxw309ajkgetw9ehx7um5wghxcctwvsueqn9x" class="bg-lavender dark:prose:text-neutral-50 dark:text-neutral-50 dark:bg-garnet px-1"><span>River</span> (<span class="italic">nprofile…qn9x</span>)</a></span> is doing a phenomenal job mapping out the vast Lightning Network Industry.<br/><br/>At Simon Consulting, we see this landscape not just as a technical map, but as a growing regulatory frontier. As these infrastructure and payment layers mature, the need for professional standards and compliance frameworks becomes the next essential &#34;Pillar&#34; for global adoption.<br/><br/>Great work on the overview, River!<br/><br/>#Bitcoin #LightningNetwork #SimonConsulting #Compliance #FinTech2026 #RiverFinancial <br/><br/><br/><br/> <img src="https://blossom.primal.net/b5a3013a7e7511981d5786f0e134e1102c74ddd45d1b38605b7e9fb5b8001bf6.png"> 2026-02-23T08:24:44Z https://yabu.me/nevent1qqsvqfee3g0jlkcg8lp475qgtwfv8pdmfgjykpwenn2lgk3akdnvangzyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtqe55y0g In reply to <a href='/nevent1qqsrpl8vdcrszwafepj354jwx6m2397c6mhn2y9r5ucsdfu47cp580gpzemhxue69uhhyetvv9ujuerfw36x7tnsw43z74gn0ag'>nevent1q…n0ag</a><br/>_________________________<br/><br/>Interesting case <br/><br/> 2026-02-23T05:56:05Z https://yabu.me/nevent1qqsfq5zf09c9xyjgldh8cdy0en50wtyk6rg3lkg6nu8cag02slsa90czyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtqckw3yt In reply to <a href='/nevent1qqsrsv0852nh0wksw453rs3a3uqv4wl0waehtnw0phxm6wnxfsjsnucensvwy'>nevent1q…svwy</a><br/>_________________________<br/><br/>Spot on, <span itemprop="mentions" itemscope itemtype="https://schema.org/Person"><a itemprop="url" href="/nprofile1qqsypxh4gvktlxscv35cmgx6x004yttxrqkfk5r0w2q8x4p7sl5255spramhxue69uhky6t5vdhkjmndv9uxjmtpd35hxarn9ehkumrfdejsz8rhwden5te0vf6xxurp0yhxkattddejummjvuhkummnw3eqqfffrf" class="bg-lavender dark:prose:text-neutral-50 dark:text-neutral-50 dark:bg-garnet px-1"><span>DJane</span> (<span class="italic">nprofile…ffrf</span>)</a></span>! 🎯<br/><br/>Loyalty points to sats should be the ultimate low-risk entry point for users. It’s the perfect example of where a tiered, Risk-Based Approach (RBA) is missing. Instead, we see &#39;compliance-first&#39; hurdles that kill the onboarding experience for Bitwala and others.<br/><br/>Small amounts shouldn&#39;t trigger these full KYC gauntlets. There is no valid legal basis for that. <br/><br/> 2026-02-22T12:15:32Z https://yabu.me/nevent1qqsdf0cw27y59754gtdz6r9w3e0yv32kdycfp2k2mt5xqxhmh2a8efszyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtq52c0a0 We’ve been analyzing this case study on EU payment processors demanding full names and birth dates for sub-$10 Bitcoin transactions: <a href="https://x.com/i/status/2023372115622211739">https://x.com/i/status/2023372115622211739</a><br/><br/>The Professional Take:<br/>Lightning News is right about the friction, but the &#34;why&#34; is more complex. Under the EU Transfer of Funds Regulation (TFR), we are navigating a Zero Threshold environment. The old &#34;de minimis&#34; safety net for small payments is gone.<br/><br/>The Problem:<br/>Facing existential fines and the transition to AMLA oversight, many legal departments are defaulting to &#34;Maximum Paranoia.&#34; They are applying Enhanced Due Diligence (EDD) to coffee-sized transactions, often citing unrelated laws like the DSA as a catch-all.<br/><br/>The Reality:<br/>This is an implementation failure. An $8 Lightning payment does not carry the same risk profile as a €50k transfer. Firms are currently over-collecting data—potentially creating GDPR liabilities—to solve AML phantoms.<br/><br/>Our Verdict:<br/>Regulated gateways like CoinGate don&#39;t have to dismantle the Lightning UX to stay compliant. There is a path to a defensible, Risk-Based Approach (RBA) that satisfies regulators without demanding a customer&#39;s birth date for a sandwich. 🥪🚫<br/><br/>Regulated firms: If you&#39;re struggling to balance TFR mandates with a competitive checkout flow, let’s talk about implementing a real RBA. 🤝<br/><br/>#RegTech #Compliance #MiCA #TFR #Bitcoin #LightningNetwork #AML #Nostr #Fintech <br/><br/><br/><br/> <img src="https://blossom.primal.net/3f67c3cb972f7972ecc8336549b870a7580bef8892eb2d71f92183c0410e92e6.png"> 2026-02-22T11:10:50Z https://yabu.me/nevent1qqs8cwrvg6wz07wlhgyleh8j4qdqc5cd246xzrkq3e0h3vs8eujekpgzyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtqhfkxhx In reply to <a href='/nevent1qqsqe0l2gq2qxux74kv2c5cwaz7cth2kfs2fk3x4kzx4kq0t4874yzscjgfgm'>nevent1q…gfgm</a><br/>_________________________<br/><br/>Care to share which projects you have worked on already? <br/><br/> 2026-02-20T20:32:08Z https://yabu.me/nevent1qqs2s9tfc0v9durhz9emqg7fdv63qtskhjalgamt4nyj8klylnuheqqzyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtq5hv09g At Simon Consulting, we believe the future of professional networking isn&#39;t just decentralized—it’s sovereign. For years, businesses have built their reputation on LinkedIn, only to be at the mercy of shifting algorithms and rising advertising costs.<br/><br/>It’s time to move your business insights to Nostr. Here’s how to start:<br/><br/>1. Create Your Sovereign Identity 🔑<br/>Everything starts with a unique npub for your business. This is your permanent, unshakeable address on the protocol. Unlike a LinkedIn profile, you own it—it cannot be deleted or censored.<br/><br/>2. Build Your Brand on Nostr 🏗️<br/>Set up your account on a professional client like <span itemprop="mentions" itemscope itemtype="https://schema.org/Person"><a itemprop="url" href="/nprofile1qqszpxr0hql8whvk6xyv5hya7yxwd4snur4hu4mg5rctz2ehekkzrvcpp4mhxue69uhkummn9ekx7mqpr3mhxue69uhkummnw3ez6vp39eukz6mfdphkumn99e3k7mgd22h8g" class="bg-lavender dark:prose:text-neutral-50 dark:text-neutral-50 dark:bg-garnet px-1"><span>YakiHonne</span> (<span class="italic">nprofile…2h8g</span>)</a></span> or <span itemprop="mentions" itemscope itemtype="https://schema.org/Person"><a itemprop="url" href="/nprofile1qqs9xtvrphl7p8qnua0gk9zusft33lqjkqqr7cwkr6g8wusu0lle8jcpzamhxue69uhkummnw3ezuurpwfjhgmeww3hhwmsprpmhxue69uhhqun9d45h2mfwwpexjmtpdshxuet5cfkclk" class="bg-lavender dark:prose:text-neutral-50 dark:text-neutral-50 dark:bg-garnet px-1"><span>primal</span> (<span class="italic">nprofile…kclk</span>)</a></span>. Add your logo, a branded background, and a clear bio. This is your new &#34;Company Page,&#34; but better.<br/><br/>3. Connect Your Value (Self-Custodial Wallet) 💳<br/>Link your self-custodial Bitcoin wallet. This allows your business to participate in the Zap Economy. Receive value for your insights and reward others instantly.<br/><br/>4. Share Knowledge &amp; &#39;Zapvertise&#39; 💡<br/>Don’t just post—provide value. Share articles, business insights, job posts and industry trends. Instead of paying for traditional ads, try Zapvertising. It’s a way more cost-efficient and pleasant way to reach your target audience by rewarding engagement directly.<br/><br/>5. Contribute to the Circular Economy 🌍<br/>By engaging directly with the community on Nostr, your business becomes a vital node in the Bitcoin Circular Economy. You aren&#39;t just &#34;socializing&#34;; you are building a resilient, value-for-value network. 🧱🧡<br/><br/>The best part? It’s fun. 🤙 Professionalism doesn&#39;t have to be stiff; it just has to be authentic.<br/><br/>Is your business ready to claim its npub? Let’s bridge the gap together.<br/><br/>#Business #Nostr #Bitcoin #SimonConsulting #SovereignIdentity #Zapvertising #CircularEconomy #Yakihonne #ProfessionalNetworking #PlebChain <br/><br/> 2026-02-20T19:35:10Z https://yabu.me/nevent1qqs9esu80m9r7ne6354sz8a2hz5qw990t7xkemkzxurfs0q077ylcnczyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtqcg3k8a In reply to <a href='/nevent1qqs9mu476smd6tp5jsty3lpcffvuvdfltr00tpwzvl2mutp9tewxvvcpzemhxue69uhhyetvv9ujuurjd9kkzmpwdejhgnl7kmc'>nevent1q…7kmc</a><br/>_________________________<br/><br/>Great signal indeed, Lee! 🛡️💼<br/><br/>Seeing positions like this at major institutions proves that TradFi is finally moving past the &#39;ignore&#39; phase and into the &#39;infrastructure&#39; phase. A Crypto Risk Manager at this level isn&#39;t just about ticking boxes; it’s about a fundamental shift in how banks perceive sovereign protocols.<br/><br/>At Simon Consulting, we are seeing a similar trend in the EU. Whether it’s MiCA compliance or Taproot Asset integration, the demand for professionals who can speak both &#39;Banker&#39; and &#39;Bitcoiner&#39; is exploding. The bridge is being built from both sides now. 🏛️➡️⚡️<br/><br/>Keep the signals coming! <br/><br/> 2026-02-20T00:24:50Z https://yabu.me/nevent1qqsyh3uwjpd9rsqlmc5nv024w5ggff33ppt66u4d76zsrmmfrnh00hgzyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtqm07cg7 In reply to <a href='/nevent1qqsdvp6hjn80t5ycgm7vajqxlq472zyx6v88l7yd90tjnpgkqjsvahspzemhxue69uhhyetvv9ujuurjd9kkzmpwdejhglrnx25'>nevent1q…nx25</a><br/>_________________________<br/><br/>Hi <span itemprop="mentions" itemscope itemtype="https://schema.org/Person"><a itemprop="url" href="/nprofile1qqsvrlrhw86l5sv06wkyjgs6rrcekskvk7nx8k50qn9m7mqgeqxjpvg8u2e5q" class="bg-lavender dark:prose:text-neutral-50 dark:text-neutral-50 dark:bg-garnet px-1"><span>Ben Arc</span> (<span class="italic">nprofile…2e5q</span>)</a></span> just out of curiosity: what exactly are the flaws of ecash? <br/><br/> 2026-02-19T14:32:52Z https://yabu.me/nevent1qqs2dgrwpv5m0dj6yk9rqn9h6vlkcj20pqteeaxvmegax5y2v7fyecczyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtqrghskj To the builders and entrepreneurs on the #PlebChain: if you are issuing tokens on the Taproot Assets Protocol pegged to the EUR or USD, you aren&#39;t just &#34;writing script&#34;—in the eyes of the EU, you are an issuer of Electronic Money Tokens (EMTs).<br/><br/>The EBA’s No-Action Letter (NAL) transition period ends on March 2nd. After this date, the &#34;wait-and-see&#34; era for stablecoins in the EU is over. ⚖️<br/><br/>Why this matters for Taproot Asset issuers:<br/><br/>Under MiCA, any asset-referenced or e-money token pegged to a fiat currency is strictly regulated.<br/><br/>Issuing these assets or providing payment services with them now requires a PSD2 license as a Payment Institution (PI) or an Electronic Money Institution (EMI).<br/><br/>For most Bitcoin-focused startups, dual licensing (MiCA + PSD2) is a capital-intensive nightmare. Partnering with an authorized EMI is often the only compliant way to keep your EMT-related payment flows active.<br/><br/>Innovation on Bitcoin shouldn&#39;t be stifled by legal surprises. At Simon Consulting, we bridge the gap between protocol-level brilliance and institutional-grade compliance.<br/><br/>Is your Taproot setup ready for the March 2nd enforcement, or are you still operating in the &#39;gray zone&#39;? Let’s talk about bridging your protocol to a compliant structure.<br/><br/>#Bitcoin #TaprootAssets #MiCA #Stablecoins #EMTs #LightningNetwork #SimonConsulting #Compliance #Fintech <br/><br/> 2026-02-19T13:45:26Z https://yabu.me/nevent1qqsqhdulelkx3q6u3rm6jzzvlejxm5xacamxrkadfcwxlem0328d90qzyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtqvnmwex In reply to <a href='/nevent1qqsvl2l9utxdsuxkrqqeyk3nyac3a0rt9ewhvuhcyv6wsma97y82shqpzemhxue69uhhyetvv9ujuurjd9kkzmpwdejhgl5ru9z'>nevent1q…ru9z</a><br/>_________________________<br/><br/>Article will be published later today. <br/><br/> 2026-02-17T09:20:40Z https://yabu.me/nevent1qqsp5dtfss7v226jnh0nv2nvr7w8ydfly2xcxhjpgvdz3y9267nsa8qzyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtqyne20n It’s Friday the 13th. While the superstitious are avoiding ladders, many Bitcoin entrepreneurs are avoiding something much scarier: Regulatory Reality. ⚖️<br/><br/>If you’re building a business to earn your living in sats, you might think you’re &#34;outside the system.&#34; But the system doesn&#39;t see it that way. Even if you aren&#39;t providing financial services, you are still bound by the laws of the physical world:<br/>- Taxation: If you receive sats for services, that’s income. If those sats appreciate before you pay your rent, that’s a capital gains event in many jurisdictions.<br/>- Privacy (GDPR): If your Lightning node or e-cash mint touches user data (IPs, emails, or LN addresses), you have a data protection liability.<br/>-Payments (PSD2/MiCAR): Building an app that &#34;handles&#34; payments? You might accidentally trip over the definition of a Payment Service Provider, even on sovereign rails.<br/><br/>Don&#39;t let your &#34;sovereign business&#34; become a &#34;legal horror story.&#34; Compliance isn&#39;t about bowing to the old world; it&#39;s about building armor so the old world can&#39;t tear your project down. 🛡️<br/><br/>Living the circular economy dream but worried about the legal ghosts? Zap this post to book a 15-minute consultation to audit your risk. ⚡️<br/><br/>#BitcoinEconomy #CircularEconomy #Compliance #MiCAR #PSD2 #SimonConsulting #RegTech <br/><br/> 2026-02-13T05:01:56Z https://yabu.me/nevent1qqs262cfjqr0y9umrw4dawcl4d3s78djlp83v4xvfmehv7du9lfglkgzyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtq7hcsr8 In reply to <a href='/nevent1qqsy35a4r32prqu4ljtvn89hljfaw887rdqrg6m2rc5qkcm6kn05qggppamhxue69uhkummnw3ezumt0d5gv2mmq'>nevent1q…2mmq</a><br/>_________________________<br/><br/>Agreed. In a world of permissioned &#39;walled gardens,&#39; the move toward decentralized, protocol-level solutions is the only way to ensure true sovereign commerce.<br/><br/>At Simon Consulting, we see this as the definitive shift: legacy PSPs are optimizing for efficiency within the old system, but #Bitcoin and #Nostr are building an entirely new foundation where the user—not the institution—holds the keys. The infrastructure is here; now it’s about the entrepreneurial courage to implement it. ⚡️ <br/><br/> 2026-02-12T20:47:58Z https://yabu.me/nevent1qqsf4kxvgvrfsndjqdaxt29azulk2svcxh6sjxnh692d0ze5e2m33rszyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtqr6c7s6 In reply to <a href='/nevent1qqs28ph7rlevsrnnzf76g6cykw2nezrch8yadsf54zg68d4c5gx2t7cpzemhxue69uhhyetvv9ujuurjd9kkzmpwdejhgmf9qxe'>nevent1q…9qxe</a><br/>_________________________<br/><br/>Definitely curious about this too. 90 days in, the &#39;Square Bitcoin&#39; rollout is such a massive test for real-world circularity.<br/><br/>We&#39;ve already seen merchant adoption on BTC Map jump by 53% in 2025, largely attributed to this integration. With 0% fees through 2026 and instant Lightning settlement, the incentive is finally there for businesses to move beyond just HODLing.<br/><br/>Would love to see some hard volume data—if the neighborhood coffee shops are seeing real flow, it changes the whole conversation. ⚡️☕️ <br/><br/> 2026-02-12T20:19:23Z https://yabu.me/nevent1qqsfdlxx9lys0xhefvd3p5yv9863czupx8g9c6aeuf307kka095g5mszyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtqxwp8q2 In reply to <a href='/nevent1qqsry7973705ae7yp9jl9afhjjahxfdcpkvfkd7mnzyzv5zmg04dkvgpp4mhxue69uhkummn9ekx7mq5z84hw'>nevent1q…84hw</a><br/>_________________________<br/><br/>This is a massive win for merchant adoption! ⚡️💳<br/><br/>The way LNbits has integrated Stripe Tap-to-Pay directly into the TPoS extension is brilliant. By using the Stripe Terminal SDK on Android, merchants can now handle both Bitcoin Lightning and traditional card payments through a single, unified interface—no extra hardware required.<br/><br/>We are however particularly interested in how exactly the TPoS-Stripe Wrapper handles the seamless handoff between the web-based PoS and the native Android NFC tap. This effectively removes the &#39;clunky&#39; multi-device hurdle that has kept many small businesses on the sidelines.<br/><br/>True &#39;invisible&#39; infrastructure in action! 🚀 <br/><br/> 2026-02-12T20:01:47Z https://yabu.me/nevent1qqsgjef8vcw6gpageu28wdtufuzg2nn8p249dcpr9s93d06e95y0etszyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtquup5sc In reply to <a href='/nevent1qqsdnd0nvfwgnzxmkdns8jj6h6d7zptdhvvgv42nds7ypeqewn7h6dqs22ud6'>nevent1q…2ud6</a><br/>_________________________<br/><br/>Welcome to the #PlebChain! 🤝<br/><br/>Your point about the merchant&#39;s role in establishing a Bitcoin standard is vital. We often focus on the consumer, but the merchant is the one who ultimately bridges the gap between Bitcoin&#39;s volatility and its utility as a medium of exchange. Creating tools that help them manage that transition is exactly where the next wave of adoption will come from.<br/><br/>Since you are relatively new here, a quick tip: you can actually post your long-form articles directly to the Nostr protocol! Check out an app like Yakihonne—it allows you to publish full articles that will be beautifully rendered and searchable right here on Primal or any other Nostr client app. It’s a great way to build your audience natively on the protocol. ⚡️<br/><br/>Looking forward to more of your insights! <br/><br/> 2026-02-12T19:25:00Z https://yabu.me/nevent1qqsygxcg76xx2e8s0zlwzcgk4jzg404h58qkyfu508k6eqpszy4umlqzyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtqxkp9lr Growth is often framed as a commercial milestone, but for Bitcoin engineers and entrepreneurs providing payment services in Europe, it&#39;s also a structural stress test.<br/><br/>As transaction volumes increase and your client base expands, governance frameworks built for the launch phase are put under pressure. For Bitcoin-native firms, this means ensuring your stack can handle the transition from simple VASP status to a MiCA-compliant CASP (Crypto-Asset Service Provider) model without breaking.<br/><br/>Nothing feels as though it&#39;s broken, yet decision-making, oversight, and compliance escalations start to strain. This is where governance gaps begin to surface—especially when trying to balance sovereign technology with rigorous EU mandates like DAC8 reporting and Travel Rule ownership verification for self-hosted wallets.<br/><br/>The good news is that self-custodial and lightning-native payment processors like Flash and Lightning Checkout are now mature enough to automate parts of this stress test. By utilizing professional-grade, non-custodial wallets that integrate Lightning, Liquid, and e-cash, you can eliminate counterparty risk while maintaining the audit trails and transparency that European regulators now demand.<br/><br/>How often is your governance framework reassessed as your business scales? <br/><br/><br/><br/> <img src="https://blossom.primal.net/1ac11c600d7f702946bc75a0489f0e50f8ca8fbe797e0f81b4b405c0615ee35f.png"> 2026-02-12T18:18:06Z https://yabu.me/nevent1qqs22gfnjerjvam82dd290f60p8yvqpwjzd00uv2cszfke40yw45ktczyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtqcuyjyt Moving toward full sovereignty! ⚡️<br/><br/>Thanks to a tip from <span itemprop="mentions" itemscope itemtype="https://schema.org/Person"><a itemprop="url" href="/nprofile1qqsxrxhk5c9nlex8xw4v5psu2gkvn370rkr77nys37kvtmvnd5aa7gcppemhxue69uhkummn9ekx7mp0qy2hwumn8ghj7un9d3shjtnyv9kh2uewd9hj7af3t7m" class="bg-lavender dark:prose:text-neutral-50 dark:text-neutral-50 dark:bg-garnet px-1"><span>idsera</span> (<span class="italic">nprofile…3t7m</span>)</a></span>, we&#39;ve officially switched to <span itemprop="mentions" itemscope itemtype="https://schema.org/Person"><a itemprop="url" href="/nprofile1qqsvdc3s5f0260zfwqfkx7lnw77wmqw8ekmqmzq6v0kmzw9s32ngpqcfwuxkg" class="bg-lavender dark:prose:text-neutral-50 dark:text-neutral-50 dark:bg-garnet px-1"><span>blitz</span> (<span class="italic">nprofile…uxkg</span>)</a></span> for Simon Consulting. This is hands-down the most impressive self-custodial wallet we’ve encountered for business use.<br/><br/>It’s self-custodial, giving us total control over our funds, but it operates with the smoothness of a modern fintech app. The integration of Lightning, Liquid, and e-cash—managed automatically under the hood—is a game-changer for handling everything from micro-zaps to larger business transactions.<br/><br/>Our setup is now fully updated:<br/>- Nostr Address: Verified and synced.<br/>- LN Address: Native and lightning-fast.<br/>- Self-Custody: Non-negotiable.<br/><br/>If you&#39;re an entrepreneur or business executive looking to move away from custodial &#34;walled gardens&#34; without losing a polished UX, this is the standard.<br/><br/>#Bitcoin #LightningNetwork #BlitzWallet #SelfCustody #SimonConsulting #PlebChain <br/><br/><br/><br/> <img src="https://blossom.primal.net/b2cb97057a93883add6fa000748ecff56576e44b205e7ada02865b02fd65549e.png"> 2026-02-12T14:30:03Z https://yabu.me/nevent1qqspakxq226745sawwe0rta99h7yweuu3kdv4p5sc4tfwj74dn74lqgzyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtqtv44gd In reply to <a href='/nevent1qqs00zkvknfygk9wk849l7fhx9ex6vpnxgr46c9xlawagt0ytv6ttcgpzemhxue69uhhyetvv9ujuurjd9kkzmpwdejhgpksxh0'>nevent1q…sxh0</a><br/>_________________________<br/><br/>Really impressed with the app. Thanks again for the valuable tip. It has been immediately set up as our connected wallet. <br/><br/> 2026-02-12T13:56:47Z https://yabu.me/nevent1qqsgtetlqxajqlwkgrek0a7gzsgx7fwhs6495xz0894kyfvvcjs2khqzyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtqlpj2tp In reply to <a href='/nevent1qqsxgzsek8x9n58p57qst3wyt9nv6uwvk6a0hnrzs7m8gj2lj04px3spzemhxue69uhhyetvv9ujuurjd9kkzmpwdejhgu6aklq'>nevent1q…aklq</a><br/>_________________________<br/><br/>Thanks. Full disclosure: we have multiple wallets, both custodial and non-custodial, with and without LN addresses, etc.. Haven&#39;t tried out Blitz yet. Will have a look at it today. <br/><br/> 2026-02-12T12:40:28Z https://yabu.me/nevent1qqsv4sktq2fcs3qc0tp77lms9k8hhmepsz6c92z2pjkzsszum5we4kqzyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtqergmky In reply to <a href='/nevent1qqstfq79h33v36zw5nceaxdeazex2fgtx3rvtxhyta5cj4af5t4cnfcqfmmxc'>nevent1q…mmxc</a><br/>_________________________<br/><br/>Spot on, Calle. The &#39;walled gardens&#39; are moving fast with permissioned rails because they prioritize convenience over sovereignty. But the race isn&#39;t over—it’s just entered a new phase.<br/><br/>What needs to be done is a massive push for entrepreneurs to either build better native solutions or, even more crucially, help embed Bitcoin-native technology directly into the wallets of neobanks and fintechs. We need more builders following the lead of innovators like Coinos, Minibits and Bringin, creating the &#39;invisible&#39; bridges that allow users to benefit from Bitcoin&#39;s rails without needing a PhD in cryptography.<br/><br/>The goal isn&#39;t just to keep Bitcoin alive; it&#39;s to make it the default plumbing for the entire fintech world. Let&#39;s stop tearing things down and start embedding the sovereign standard everywhere it doesn&#39;t yet exist. ⚡️ <br/><br/> 2026-02-12T10:37:18Z https://yabu.me/nevent1qqsznlgwds0cj5s5chqc7hp9qncq3yh6g3aexmyssesg5zm8vjpj94qzyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtqrvhfd6 In reply to <a href='/nevent1qqstz0vww8weaj8dju0hr8fejywmahrmeqkw6qcufd9ac2s2adgpkgqpzamhxw309aex2mrp0yh8xmn0wf6zuum0vd5kzmqtnx3ff'>nevent1q…x3ff</a><br/>_________________________<br/><br/>Agreed, Jeff. Shifting from a zero-sum mindset to viewing competition as a &#39;distributed search algorithm&#39; for value is the hallmark of a mature Bitcoin standard.<br/><br/>By building on neutral open protocols like Lightning and e-cash, we aren&#39;t just competing with legacy systems; we are cooperating to build a resilient foundation for human flourishing. In this framework, every participant providing &#39;superior value&#39; is actually a partner in a global effort to lower the marginal cost of living for everyone. <br/><br/> 2026-02-12T10:27:00Z https://yabu.me/nevent1qqs23rlhktck8dk67ucxz99h2xwlv7z3yylpt3lqgelhaz0gh3skcrszyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtq9h7lmd We are currently witnessing a renaissance in privacy through Chaumian e-cash, with Cashu and Fedimint leading the charge in two distinct ways. While both protocols leverage blind signatures to ensure that a mint can never track your balance or transaction history, they solve the &#34;custody&#34; challenge from different angles. <br/><br/><span itemprop="mentions" itemscope itemtype="https://schema.org/Person"><a itemprop="url" href="/nprofile1qqs0y3tvskgs9gpgxxu5ahgz3fmms3rzmxt504qceqtz4a6pdgfwlkgppemhxue69uhkummn9ekx7mp0qywhwumn8ghj7mn0wd68ytnzd96xxmmfdejhytnnda3kjctv9ue5cmar" class="bg-lavender dark:prose:text-neutral-50 dark:text-neutral-50 dark:bg-garnet px-1"><span>Cashu</span> (<span class="italic">nprofile…cmar</span>)</a></span> is designed as a lightweight, agile protocol typically utilizing a solo-mint model, making it the perfect engine for instant web integrations, micro-payments, and independent &#34;bank&#34; setups where simplicity and speed are the primary goals. <span itemprop="mentions" itemscope itemtype="https://schema.org/Person"><a itemprop="url" href="/nprofile1qqsgwgkrss7gthwkzc49edgxu895664setaevcp57snw2k3wlzdrghswflshg" class="bg-lavender dark:prose:text-neutral-50 dark:text-neutral-50 dark:bg-garnet px-1"><span>fedimint</span> (<span class="italic">nprofile…lshg</span>)</a></span> is built for community-level resilience through a federated model of trusted &#34;Guardians&#34;. By distributing the mint’s power across a multi-sig setup, it eliminates the single point of failure inherent in solo-mints, ensuring that no individual can unilaterally control or lose the funds.<br/><br/>As these protocols gain mass popularity, we must anticipate that mints and guardians will likely move into the regulatory crosshairs. If ecash becomes a significant vehicle for value transfer, operators may be classified as Virtual Asset Service Providers (VASPs) under FATF standards. In the EU, such activities could fall under the MiCA framework, potentially requiring mints to obtain licenses as custodial wallet providers or e-money token issuers. This would bring mandatory AML/KYC obligations and the &#34;Travel Rule,&#34; requiring the collection of originator and beneficiary data for transactions. <br/><br/>While Cashu excels in its ability to be integrated rapidly and Fedimint provides the foundation for decentralized banking, both face a future where technical privacy must be balanced against an increasing trend of mandatory transparency and regulatory oversight.<br/><br/>#Ecash #Cashu #Fedimint #Bitcoin #Privacy #LightningNetwork #SimonConsulting #Compliance #MiCA <br/><br/><br/><br/> <img src="https://blossom.primal.net/dcf747fa4f00f338f67281d55428a9f94f8f4da749b44fe62e5fbce6884c76e8.png"> 2026-02-12T04:22:54Z https://yabu.me/nevent1qqsvv5xrpke283q3x8prhktud52m2x3wtqdtvmcletjjxs5sf9m66sczyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtq44vd4p The next frontier of finance is autonomous. We are entering the era of Agentic Payments, where AI agents negotiate, verify, and settle transactions without a human in the loop.<br/><br/>Two distinct paths are emerging. The first one is the &#34;walled garden&#34; path where legacy PSPs like Stripe are racing to integrate stablecoins to bring &#34;internet speed&#34; to traditional rails. While pragmatic, this model still relies on centralized issuers and permissioned infrastructure.<br/><br/>The second one is the sovereign path. On the #PlebChain, agents are already using Bitcoin and Lightning for pure machine-to-machine commerce. AI agents don&#39;t need a bank&#39;s approval to transact. Lightning enables fractional-cent settlement that legacy networks can&#39;t handle. Native currency for a bot economy with no central &#34;kill switch&#34;.<br/><br/>While traditional PSPs like Stripe build better &#34;plumbing&#34; for the old world, Bitcoin is providing the native currency for the machine economy.<br/><br/>#AgenticPayments #AI #Bitcoin #LightningNetwork #Fintech #Compliance #RegTech #PlebChain #SimonConsulting <br/><br/><br/><br/> <img src="https://blossom.primal.net/763d8effb8313e35043e6a76a90a92f51a84385676f048446118dd467576d810.png"> 2026-02-12T03:36:58Z https://yabu.me/nevent1qqsfurlhrsquaac4s3tpzwxh6jtqmpkpp97q280h0klxcgk3jte8a0gzyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtqsj3069 The Dutch House of Representatives (Tweede Kamer) has officially postponed the vote on the &#34;Wet werkelijk rendement box 3&#34;.<br/><br/>While discussions regarding taxing actual returns—including the annual price appreciation of #Bitcoin—are ongoing, the House decided on 10 February to hold off on voting for now.<br/><br/>What does this mean for the #PlebChain in the Netherlands?<br/><br/>The gavel hasn&#39;t fallen yet: The legislative delay suggests that details regarding implementation and feasibility are still under heavy scrutiny.<br/><br/>Infrastructure is key: While politicians debate how to tax &#34;paper gains,&#34; our sector continues to build. The payment infrastructure is ready; we are simply waiting for a definitive fiscal framework.<br/><br/>A nudge for adoption: Regardless of the delay, the trajectory is clear. Shifting from a &#34;HODL-only&#34; strategy to using BTC as a medium of exchange makes more sense if the tax authorities are going to look at your unrealized gains anyway.<br/><br/>The technology and infrastructure are fully operational. This law might just be the final &#34;nudge&#34; needed to transition from digital gold to a functioning circular economy. ⚡️<br/><br/>We are monitoring the parliamentary updates closely. If you have questions about how these delays impact your fintech planning or licensing strategy, our doors are open. ☕️<br/><br/>#Box3 #Bitcoin #Taxation #Netherlands #Fintech #CircularEconomy #SimonConsulting #PlebChain <br/><br/><br/><br/> <img src="https://blossom.primal.net/23ba51f102746aa4c899d7abbbcc438b5eb5a223fc6f0def99bc4e9fc76ff804.png"> 2026-02-12T01:33:54Z https://yabu.me/nevent1qqsycfhqr2cx9z7ng8mdkul28ydd73wzfkztpep0cm8e3k65ettsxdqzyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtqsm9cul In reply to <a href='/nevent1qqs8y5felfh5l0jq6mtt3z3vpe6yct9f8j8svds6gnsacrrcsleqr0cppemhxue69uh5qmn0wvhxcmmvukwxay'>nevent1q…wxay</a><br/>_________________________<br/><br/>And? What is your verdict of the Bitkit wallet after using it for a couple of months? Do you recommend it? <br/><br/> 2026-02-11T13:36:20Z https://yabu.me/nevent1qqs8hf7sca405n2nk44q9yg4nche33p9m3uyu99x2jvrehvty6zj7tgzyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtq9ctc8t The Wet werkelijk rendement box 3 is currently under heavy debate in Dutch Parliament. If passed by the 15 March 2026 deadline, it will pave the way for a new system starting in 2028 that targets actual returns.<br/><br/>For the #PlebChain, the signal is clear:<br/><br/>- Annual Value Tax: Unlike most countries that tax when you sell, this law introduces a &#34;capital growth tax&#34; (vermogensaanwasbelasting).<br/>- Unrealized Gains: You could be taxed annually on the increased value of your BTC, even if you are just HODLing in cold storage.<br/>- No Escape for Hard Wallets: The tax applies to all assets, meaning paper gains on your keys could trigger a real-world euro tax bill.<br/><br/>The government&#39;s goal is &#34;fairness,&#34; but for volatile assets like Bitcoin, this creates a massive liquidity risk—paying taxes on money you haven&#39;t actually &#34;made&#34; yet.<br/><br/>Preparation is key. We are helping clients perform Gap Analysis to see how these upcoming changes will impact their long-term position and cash flow.<br/><br/>Don&#39;t get caught off guard by the March deadline. 👇 DM us to book a consultation session.<br/><br/>#Box3 #BitcoinTax #Netherlands #Fintech #Compliance #HODL #PlebChain #SimonConsulting <br/><br/><br/><br/> <img src="https://blossom.primal.net/4198fb49ae9176442153041498fc2844c3d01a2813358b097b9c0c1d9f880119.png"> 2026-02-11T11:03:18Z https://yabu.me/nevent1qqswctag7mc7d4e20hfplquhwps9k35vnke62k2q6jp3c3w3ctrlqagzyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtqcuucne As of 1 January 2026, the EU’s DAC8 directive officially entered in effect. 🇪🇺⚖️<br/><br/>The era of &#34;under the radar&#34; crypto-asset transactions for EU residents is closing. DAC8 introduces a mandatory exchange of information between tax authorities, targeting transparency across the board.<br/><br/>What this means for #Fintechs and Crypto Asset Service Providers (CASPs):<br/><br/>- Mandatory Reporting: You must now collect and report transaction data on all EU-resident clients.<br/>- Broad Scope: This includes bitcoin, other crypto-assets, e-money, and CBDCs.<br/>- Global Reach: It applies to service providers regardless of size if they serve EU customers.<br/><br/>The goal is transparency, but the burden is on builders to ensure their systems meet these reporting standards.<br/><br/>Don&#39;t wait for an audit. We offer DAC8 Gap Analysis and Consultation Sessions to help you identify what&#39;s missing in your data pipelines and get your operations ready.<br/><br/>Interested in a deep dive into your firm&#39;s readiness? 👇 DM us to book a session.<br/><br/>#DAC8 #TaxTransparency #Crypto #Fintech #Compliance #Regulation #Bitcoin #SimonConsulting <br/><br/><br/><br/> <img src="https://blossom.primal.net/14aeae74db936ec20838c50e3e364e2b124947d4a3afc0d0a13a82e7f871b38e.png"> 2026-02-11T08:20:54Z https://yabu.me/nevent1qqsrkjyvg77u3frudh5q2tvk570u7hass68z0d6wmnwxndpegz4rcxgzyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtqv9fwlc In reply to <a href='/nevent1qqsvv57ee6wh7vpdh9d092glwaetkhgkfdjrd7tlwca3zlu2teethtqauf424'>nevent1q…f424</a><br/>_________________________<br/><br/>Built-in e-cash wallets are a total game changer for the ecosystem. ⚡️ Reducing friction for micro-transactions and services like CI/CD is exactly how we scale the circular economy on #Nostr. Great to see #SatShoot and #Cashu leading the way! <br/><br/> 2026-02-11T07:54:32Z https://yabu.me/nevent1qqsqvsu0u8gpec3erk364rvyee3r2rph95wmlst8q3skntp45vsa90szyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtqq9hnfd In reply to <a href='/nevent1qqsgthmuezsfner87jp8vp0y35s85u5wdle5aymzpv55vshmpz0vtngdalh8c'>nevent1q…lh8c</a><br/>_________________________<br/><br/>Agreed! ☕️ Stop by anytime—would love to connect. See you soon! <br/><br/> 2026-02-11T07:48:57Z https://yabu.me/nevent1qqsz7jl5cl22hq9kehxkfeqws7wgcqpseqps8awug4hgnvu3hpekfpczyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtqexcdfj We’re officially on the map! 📍₿<br/><br/>Simon Consulting is now listed on <span itemprop="mentions" itemscope itemtype="https://schema.org/Person"><a itemprop="url" href="/nprofile1qqsra2ey033mkdwl5w8q0jss9ak69zafh82xsuvhwsaauw3trkq2amgprpmhxue69uhkv6tvw3jhytnwdaehgu3wwa5kuef0qy88wumn8ghj7mn0wvhxcmmv9ujzxe22" class="bg-lavender dark:prose:text-neutral-50 dark:text-neutral-50 dark:bg-garnet px-1"><span>BTC Map</span> (<span class="italic">nprofile…xe22</span>)</a></span>. Whether you need professional compliance advice or just want to talk shop over a cup of coffee, our doors are open to the community. ☕️<br/><br/>Find our office here: <a href="https://share.btcmap.org/ugSE9YwtyEQpaMjbp">https://share.btcmap.org/ugSE9YwtyEQpaMjbp</a><br/><br/>We love meeting fellow builders and plebs in person. Stop by, say hello, and let’s talk about the future of finance (and yes, we take #Bitcoin). ⚡️<br/><br/>#BTCMap #Bitcoin #PlebChain #Netherlands #Fintech #Consulting #SimonConsulting <br/><br/> 2026-02-11T06:30:00Z https://yabu.me/nevent1qqsxdzzhz0z2u4yeqz2vxzsa5a5pq0sm3ndj3wtpf4jl67wffgw8ynqzyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtqg9c5yd In reply to <a href='/nevent1qqs9w9e7szzp7pmdvl8y5qs9p8v32cz3fw3ye7777a0vxm90hhgslwse22rpu'>nevent1q…2rpu</a><br/>_________________________<br/><br/>This is the way. ⚡️ Using custodial solutions like Speed Wallet is a great entry point for businesses to start stacking sats through commerce.<br/><br/>We’re seeing more firms realize that accepting #Bitcoin isn’t just a statement—it’s a superior way to do business. Glad to see Steak n Shake and Tahini&#39;s leading the charge! <br/><br/> 2026-02-11T06:17:27Z https://yabu.me/nevent1qqs8k8lmqzuy44u6w0quy40mw8ady4mstajj76hwa8gt82k57evqfgszyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtq4fmgtv In reply to <a href='/nevent1qqsqc8lewspt0c8vwzp93enjunp2pajcfg4kzkhdk8eywh4gd7ds7ws9xyhkd'>nevent1q…yhkd</a><br/>_________________________<br/><br/>Spot on. Real utility is the best form of marketing. That’s why we’ve integrated #Bitcoin into our own operations—walking the talk is the only way to build the robust systems you’re describing. ⚡️ <br/><br/> 2026-02-11T06:04:38Z https://yabu.me/nevent1qqs05apk3flv87wugg2ywc96amtrachs4ed9j79npx4n5nk0sf5cryczyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtqvngr4t In reply to <a href='/nevent1qqsxqwsynys8rmh0f2f5pmxr9qyh67c4nmc59fmel4q4jewg99n3sssjla3nx'>nevent1q…a3nx</a><br/>_________________________<br/><br/>Interesting discussion. What are your thoughts about neobanks like Deblocks that have started offering bitcoin products and services like (self-custodial) lightning wallets to their existing customer base? <br/><br/> 2026-02-11T05:59:01Z https://yabu.me/nevent1qqspa9vxmml7rdy3pqhqxrpyt5lzclv76j008fhwfn20jxxlmz4jvcgzyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtq27n65c In reply to <a href='/nevent1qqsx0pw3kcgkx98w7manttzakukpg59lw5slfvq9mp04vrjudc2azlq8ykg42'>nevent1q…kg42</a><br/>_________________________<br/><br/>Interesting. Do their users now have their own lightning wallet? Could you explain a bit more how the Breeze SDK has been integrated into their infrastructure? <br/><br/> 2026-02-11T04:44:35Z https://yabu.me/nevent1qqs897mge3gkjctda6semurnxgen9ydmf565gf9frcqmd7lgamwj2eqzyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtq5xldwe In reply to <a href='/naddr1qq2n2efeve48j7tsf9cy7d3kx4f8qnj62qckwqghwaehxw309aex2mrp0yh8qunfd4skctnwv46z7q3qkrveufv8unj22udw0tjngv8f0g3zdjdz64kx3dztw9tkl8r66tzqxpqqqp65w94k4hs'>naddr1qq…k4hs</a><br/>_________________________<br/><br/>Great article. Bitcoin is indeed more than just a store of value. If we want it to succeed we need to actually start using it as a medium of exchange. <br/><br/> 2026-02-11T04:37:23Z https://yabu.me/nevent1qqs03dqjt4c0fazar7fxaqavsr0h6umv3phlurxl336gszwljwt78yqzyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtqp5fuuz Authorization isn’t the finish line—it’s the starting gun. 🏁<br/><br/>Too many #Fintech firms treat getting licensed as the end of the struggle. In reality, that&#39;s exactly when the real scrutiny begins.<br/><br/>Once you have that license, the regulator’s focus shifts from &#34;paper promises&#34; to operational reality:<br/><br/>Does your governance hold up under 10x growth?<br/><br/>Is your risk appetite actually being managed, or just documented?<br/><br/>Do your controls survive real-world commercial pressure?<br/><br/>In the Bitcoin world, we verify the code. In the regulated world, they verify your execution. ⚖️<br/><br/>We’ve put together a guide on Post-Authorization Reality for firms moving from &#34;authorized&#34; to &#34;operational.&#34;<br/><br/>Want the 8-page breakdown? 👇 Comment &#34;Reality&#34; or DM us, and we’ll send the PDF your way.<br/><br/>#Compliance #Fintech #Licensing #RegTech #Bitcoin #PlebChain #SimonConsulting <br/><br/><br/><br/> <img src="https://blossom.primal.net/4e1c3a925b4eb92c21bc2316baf2772f17b1dab0ac9d0ef79f9e34232a7fa9b8.png"> 2026-02-11T04:20:33Z https://yabu.me/nevent1qqs2fmmyql2jhkfe423q9lvjvp2pf3a3urk3nedhqneca8c9cspalxqzyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtqdtsfgx Europe’s AML framework is hitting a breaking point. 🇪🇺<br/><br/>Legacy institutions are drowning in low-quality alerts while transaction volumes explode. The shift is moving from &#34;box-ticking&#34; compliance to demonstrable effectiveness.<br/><br/>Key takeaways for #Fintech builders:<br/><br/>The EU AML Package and AMLA are raising the bar. ⚖️<br/><br/>Rule-based systems are failing; AI-enabled monitoring is no longer optional.<br/><br/>Structural challenges in detection and governance are the new frontier for #RegTech.<br/><br/>We have a detailed PDF report breaking down these shifts and what they mean for your licensing strategy.<br/><br/>Want the report? 👇 Drop a comment below or DM us and we&#39;ll send it over.<br/><br/>Helping you build on the frontier while staying compliant. ₿<br/><br/>#Bitcoin #Compliance #AI #AML #Fintech #Regulation #PlebChain #SimonConsulting <br/><br/><br/><br/> <img src="https://blossom.primal.net/11c5e8c8c450bc92b36cd1a14f625a0940a0138b1fb10aa294191661c655a4de.png"> 2026-02-11T03:52:22Z https://yabu.me/nevent1qqsv49spqtn2l9w97ksqgsnajqa5v68n8wkn4lmm7l4f46zzue2tnyqzyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtq5uyehd Hello #Nostr! ⚡️<br/><br/>Simon Consulting has arrived. We specialize in helping #Fintech builders and #Bitcoin companies navigate the regulatory maze without losing their soul.<br/><br/>What we do: ✅ Compliance Architecture ✅ Licensing Strategy (EMI, VASP, etc.) ✅ Team Training ✅ Navigating the &#34;Legacy&#34; hurdles<br/><br/>We believe in sovereign tech, which is why we’re here and why we’ve always accepted Bitcoin for our services. ₿<br/><br/>Looking forward to connecting with the builders and keeping you compliant while you disrupt the world.<br/><br/>#Introduction #PlebChain #RegTech #Compliance #Bitcoin <br/><br/> 2026-02-11T03:36:55Z https://yabu.me/nevent1qqs25n6mvfcyzh5vw2qqqk6yg9epxgqcfuvff3kqcjempdqvm3pjevczyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtqzf7e28 In reply to <a href='/naddr1qq24gjtxddr5k6n9t94ku6nc236n2aekgfs4yq3ql9zpexgh03tkuhglu78srv6jf4mm29kn5x6mnedkjg59qlacu9gsxpqqqp65wt76839'>naddr1qq…6839</a><br/>_________________________<br/><br/>Interesting read! <br/><br/> 2026-02-11T03:19:08Z https://yabu.me/nevent1qqs285eevfk8mmgp6gev44tumeqgmya2quc7e65jm3e9rga0ne7fpaqzyrfg0sxarzy637e7605q8l78u4nhye80j6ul8hm5nxtapqxdy9wtq63496y Can someone please send a small zap to test my wallet to try it out? #plebchain <br/><br/> 2026-02-11T03:14:23Z