If you trade on Polymarket and live in the Lightning world, funding your account is annoying. Polymarket takes many EVM-based tokens (such as Polygon USDC) and on-chain Bitcoin (horrible privacy, although a bit better than EVM-based:) ). So you either keep ETH around just in case, or you manually swap before each deposit. Neither is great. anypay.today skips that step. Scan the Polymarket deposit QR, pay from Lightning, account funded. The swap runs in the background and is fast. No signup. https://anypay.today/

The reason I have built AnyPay.today is that I was dreaming of removing friction in payments. In my book Cryptocurrencies - Hack your way to a better life (linked below), I have written two pieces. One was a vision of a nice user-facing wallet that can just scan any crypto QR code and pay it. While people have religion, we should make use of any opportunity to pay in a private and decentralized way. While wallets are integrating swap services, there are several problems with the implementations. More on that later. But the main idea is "The law of cryptocurrency isomorphism" ( https://juraj.bednar.io/en/blog-en/2022/10/24/the-law-of-cryptocurrency-isomorphism/ ). This has two benefits: 1.) Although we can pick what we use and save in, we have access to the whole network 2.) It is not possible to ban a single cryptocurrency. Either you ban them all, or none at all. Back to the wallet issue. There are a few wallets that have integrated some form of swap services, but they have a few limitations. Often these are on-chain wallets that need some kind of confirmation. And that leads to timeouts on merchant side, or you waiting a line for coffee and waiting for the first transaction to confirm to get your coffee, blocking the line. And often they have limited support. Lastly, a lot of swap services have issues with lightning (stuck channels without incoming liquidity). Anypay.today solves this in a few ways: - First leg is either Boltz or Lendaswap which have good incoming liquidity for Lightning - If they can't swap to target currency, it goes through USDC on Arbitrum (fast confirmation, good liquidity) and Trocador. - Because the source is always Lightning, it has instant finality, no need to wait for confirmation on swap side, it takes a second. The recipient sees incoming transaction on their target chain almost immediately (swap services still take some time, but seconds, not minutes). If they accept zero-conf (most physical stores do), you are taking your fancy hipster flat white in a few seconds. - Because the source is always Lightning, you have sender privacy - We use Trocador with filtered providers, so there is never a KYC issue. You get your trocador swap ID, so if there's any problem with a swap (sometimes happens), you can deal with Trocador immediately (we are only front-end, we don't provide support). - It's a PWA (web app that you can "Install" on your phone's home screen) that gives you a lightning invoice to pay. That means we don't force you to choose a lightning wallet we prefer - use whatever you like. The flow is simple - open app, scan a crypto QR code, fill anything missing (if it's just an ETH address for example, we need to know token, network and amount - we parse everything that is in the qr code). Click to pay the invoice, your Lightning wallet opens and you are good to go. Book: https://hackyourself.io/product/cryptocurrencies-hack-your-way-to-a-better-life/

Built anypay.today - I often was paying at merchants who wanted Litecoin, XMR, or some other coin I did not have. Lightning is the best payment rail, but half the places that accept crypto won't take it. Legacy systems, etc. Some would take on-chain Bitcoin, but 1.) why? 2.) fees could be high 3.) privacy - I am not paying on-chain from my wallet. Polymarket won't take Bitcoin through lightning. Most Coinbase Commerce merchants won't - they say it's "too difficult". XMR addresses obviously won't. I want to use these new cypherpunk rails - much better than credit card, even if they don't conform to my religion. So you either keep altcoin balances around — different wallets, different seeds, more to manage — or you swap before every payment and wait for confirmations. anypay.today removes the swap step. Scan the QR, pay from your Lightning wallet, the recipient gets whatever coin they were expecting. No custody on our side (although swap services we use might take temporary custody), no KYC. No coins go through our service, it's entirely a front-end to swap services that finds a path. PWA, install to homescreen. Try it. Then click, scan a QR code, click Pay with lightning and confirm in whatever lightning wallet you are using. https://anypay.today/

Exactly this. And this is why I don't subscribe to "Bitcoin is for saving, don't spend a sat". We have a beautiful thing on the internet now - we can use money in the original non-KYC way. And that's why I am building tools to increase utility of Bitcoin. I see a lot of religious beliefs. "You should be accepting Monero, you are not true cypherpunk!". Or "For payments, I use only USDT and USDC, no tax obligations and it's easier for the merchants". What we allow is - let the other side keep their religious beliefs. And I want to pay all these people with incompatible religions, as long as they don't want to see my ID. Always better than credit cards. All the power to you and your favourite coin!