it's without kyc and applepay/googlepay support. it's the best thing out there. high fees for high freedom.

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Will have a look ta. I do like how Bringin and Wave.Space work using NWC to pull funds after a paid is made to auto top-up. Would be nice if it could run a zero balance and just pull what is needed at the time of payment, but guess it’s not fast enough.

But they don’t work in the UK and do need KYC.

I presume as soon as you pay with GooglePay or Apple Pay it’s no longer KYC.

Depends who you mean. The cc doesn't see anything.