<oembed><type>rich</type><version>1.0</version><title>robwoodgate wrote</title><author_name>robwoodgate (npub1em…wa3jz)</author_name><author_url>https://yabu.me/npub1emq0gngdvntdn4apepxrxr65vln49nytqe0hyr58fg9768z5zmfqcwa3jz</author_url><provider_name>njump</provider_name><provider_url>https://yabu.me</provider_url><html>Yes, and it’s great. It hides the complexity in the same way that people don’t need to care if their card payment is “credit or debit”.&#xA;&#xA;Cashu offers a different use case. It is the answer to the fiat question “cash or card”.&#xA;&#xA;And normies know cash offers a better level of privacy for their transactions.&#xA;&#xA;A BIP(3)21 link goes to a wallet, where presumably the funds to pay are stored. Like a fiat bank account.&#xA;&#xA;With Cashu, a user holds a bearer token, like a fiat bank note. No “account”. &#xA;&#xA;I could mint a token, hand it to you and you could spend it in a Cashu aware store without you ever even needing to have a bitcoin wallet. &#xA;&#xA;It could be denominated in a fiat currency too, so you would not even need to know anything about Bitcoin or even be aware you were using Bitcoin in the background.&#xA;&#xA;So it makes sense to offer an option in store to “hand over” that token to the merchant directly without requiring a user to visit a Bitcoin wallet (and dox their spending intention).&#xA;&#xA;It also makes sense to include Cashu payment request (creq) in a BIP(3)21 link in case the user has a Bitcoin wallet and doesn’t care how it makes the payment.&#xA;&#xA;Both are valid.  Both enhance UX. Neither is shitty.&#xA;&#xA;</html></oembed>