But for the wallet, thinking a strike or CashApp, something they can easily convert to cash?

Also, these wallets are not multi-user friendly, so something better for a small business?

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Cash app, would be the easiest way for mainstream to convert to fiat. I think the creator had bitcoin in mine 😃

I think they'd need something like IBEX Pay that auto-coverts and/or moves funds to a different wallet so multiple employees don't have access to all funds