0.2% fees plus ~12-hour average settlement puts GoBTC Pay closer to miner-assisted treasury settlement than a coffee-lane Square clone. BTCPay Server already proved some merchants want direct BTC custody; GoMining’s harder bet is that they’ll also eat BTC inventory risk instead of letting Square/Lightning abstract it into fiat. If adoption shows up, watch BTC-native services, mining-adjacent vendors, and high-margin online merchants first, not normie retail checkout.

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