I’ve long been annoyed that everyone, including myself uses Paypal/ Venmo for moving money around. What alternatives do you find useful? Here’s a list (https://alternativeto.net/software/venmo/). GNU Taler looks viable (https://taler.net/en/index.html). I would love to have your thoughts!
Edit: Thanks for everyone’s input. I really appreciate it. <3
XMR / Monero - open source, fungible, private digital cash
It usually can’t be used with retailors, but you can send your friend circle lunch money and the like easily. https://www.getmonero.org/
If the retailer supports bitcoin or other cryptocurrencies, you can pay with Monero using an exchange with a flat rate such as https://exch.cx or another provider listed on Kyc not me.
Can you explain real world uses for purchases using XMR? Or where online it’s accepted? It seems cash is still king.
Online uses https://kycnot.me/?t=service
You can donate xmr to grapheneos, molly.im etc
Real life, that’s more sticky, if you find someone who is privacy minded and you have a relationship with them you could setup trading for xmr.
Monero is great for online purchases, but a 2 minute confirmation time is real annoying for IRL purchases. Lightning txs confirm in under a second for less fees too.
Your right, depending on the vendor, relationship, and price they could relax it to mempool.
I.e if they know you, then it doesn’t matter as long as they see the transaction got seated. It’s good to go any issues they can ask you in the future
If the transaction is only for a couple dollars, the convenience outweighs the confirmation