I guess Primal solves this. As long as Primal works and is available in their jurisdiction or region.

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It’s at least a step in the right direction, but that App Store tax hurts. lol. Strike’s ability to pay straight from USD balance to a lightning invoice is another good example conceptually. It’s not directly integrated with Nostr, but that kind of seamless experience is what it will ultimately take. If someone could fund a wallet with $20 from their bank account, and then zap from it and the recipient receive it in sats that would be an ideal setup.