Here in OZ most larger b2b services/utilities have bpay settlement and Living room of satoshi works flawlessly for #btc / lightning.

I can pay off the biz credit card with this.

I can also direct deposit to any bank account for contractors / invoices.

A single email address is all that's needed as a user to make paymemts.

I settle in #btc/lightning and the payee gets their fiat