What do you mean by currency of their choice? Currency as in fiat? Or do you mean layer 1 (on-chain BTC), layer 2 (lightning), or your layer 3?
I’ve basically built a private layer 3 with cashu, relays and mints. If one #nostr #safebox Lightning address detects that the recipient address is a #safebox, it negotiates the payment without even touching Lightning. Same with the card payment system I am building- it does not touch Lightning.
A lot of my insights came from the high bandwidth discussions being part of nostr:npub1s0veng2gvfwr62acrxhnqexq76sj6ldg3a5t935jy8e6w3shr5vsnwrmq5 and doing actual field testing.
As far as the user is concerned, they are making a payment in the currency of their choice, and need not care if it’s ecash, lightning or bitcoin. I am abstracting all that detail away.
The bottom line is that the user wants a private payment network that settles instantly - just like cash. That is what I am trying to build along with the capability of just carrying a card in your pocket (leave your phone at home) but still be able to send and receive payments.
Discussion
What I discovered in field testing, people (myself included) can’t price in sats - they want to see prices in the local currency first, then what the sats might be.
Also people don’t care what is actually ‘issued’ in the payment network, they only care about their resulting balance (in fiat, and maybe sats)