Anon welcomes the new year.
?width=640&crop=smart&auto=webp&s=7a14aab981d315399c49ed82ff83dc55a1e36512
https://www.reddit.com/r/greentext/comments/1q0jdlc/anon_welcomes_the_new_year/
😂
The kind of roads that got built pre fiat money.
What does not work is asking permission. Every request for reform is an acknowledgment of authority. Every petition concedes that the petitioned has the right to grant or deny. Those who have left do not concede this. They do not ask. They build, use what they build, and invite others to do the same.
nostr:naddr1qqgxvetxvc6xgcejvdjkywfh893xxqgdwaehxw309ahx7uewd3hkcq3qklkk3vrzme455yh9rl2jshq7rc8dpegj3ndf82c3ks2sk40dxt7qxpqqqp65wuczxlf
Qerko is a payment app/platform for restaurants (and other establishments) that accepts Bitcoin: you scan a QR code at the table, choose what you want to pay for (and you can split the bill), and pay from your phone, without waiting for the waiter. It also integrates with the establishment's POS terminal, and Qerko states that it operates under a payment institution license from the Czech central bank.
# Qerko and the “Travel Rule” regulation
Qerko is required to comply with new requirements arising from the **Travel Rule** regulation (part of European anti–money laundering legislation in the crypto-assets space). Therefore, **from 30 December 2025**, customers paying with **bitcoin** will be required to provide **personal data**. In certain cases, however, there may also be a more detailed review of the transaction and the need to submit additional documents and supporting evidence. ([Gist][1])
Under the current regulation, there is **no monetary threshold** for an exemption—the requirements apply to **all** transactions. Even when paying for a coffee, additional verification may occur, potentially including scanning an ID card or other documents (especially for transactions over **EUR 1,000** or when there is suspicion). ([Gist][1])
## What exactly is changing?
For bitcoin payments, Qerko uses the **Confirmo** payment gateway and therefore must follow its rules for Travel Rule compliance. Details can be found in Confirmo’s official documentation:
```text
https://docs.confirmo.net/docs/api-updates-for-travel-rule-compliance
```
([Gist][1])
In short: for **every payment and every refund**, the following details must be provided:
* A **unique user ID** (e.g., email address or identification number)
* **First and last name**
* **Residential address**
* **Date and place of birth**
* **Email** (recommended for communication) ([Gist][1])
However, this basic information may not always be sufficient. Confirmo may request more detailed **KYC** verification at any time (including identity documents or proof of wallet ownership). This check may take place **after** the payment is received, which means the transaction may remain in a “**waiting for verification**” state. ([Gist][1])
## How will the changes appear in Qerko?
Before starting a bitcoin payment, Qerko will display a form where the customer fills in the required details. These details will be stored locally on the device (for future payments on the same phone/tablet), but Qerko will **not store them centrally**—it will only pass them to Confirmo **once**. ([Gist][1])
The same process applies to refunds (returning money). ([Gist][1])
Because it is not clear how often Confirmo will trigger additional verification, Qerko is monitoring the situation closely. If it turns out the process is too complicated or unpredictable, Qerko is prepared to temporarily suspend bitcoin payments. The goal is to minimize negative impact on the user experience—after gathering more data, Qerko plans possible app adjustments. ([Gist][1])
## Why can’t verification be done in advance, outside the payment process?
Confirmo performs verification only within an active payment flow. If it enables verification through another method in the future, Qerko will improve the integration. ([Gist][1])
## What happens if false details are entered?
Entering incorrect or someone else’s details (e.g., the details of your favorite politician) is not recommended. If the transaction moves into the detailed verification phase, there is a risk the payment will be rejected and funds could be lost. The regulation requires truthful data to prevent money laundering. ([Gist][1])
## Why doesn’t Qerko process bitcoin payments itself?
An independent **BTC → CZK** conversion would require a license under **MiCA** (Markets in Crypto-Assets Regulation), which is too demanding for Qerko. The no-conversion option (merchants holding BTC directly) would see minimal use—most restaurants want to receive crowns. In addition, handling bitcoin in-house could complicate Qerko’s relationships with banks and financial partners. ([Gist][1])
## Why don’t card payments require the same personal information?
They do. But the customer’s bank provides the personal data on the customer’s behalf. So while the customer experiences a smooth payment, in the background their personal details are automatically transmitted. ([Gist][1])
## What’s next?
The current solution was implemented as simply as possible due to time pressure, Confirmo’s technical limitations, and uncertainty about future user behavior. Unfortunately, this means some level of inconvenience for customers. Qerko will continuously monitor and evaluate the situation. Based on real-world experience, it plans possible improvements so the process is as non-invasive as possible. The goal remains to keep bitcoin as a payment option, as long as regulation and practice allow it. ([Gist][1])
[1]: https://gist.github.com/pepakriz/96e120cc15d04f9ece56bd6be3fee68c "Qerko-TravelRule.md · GitHub"
I wish I would recognize 0%. I don't watch any news. Only active on Nostr and unfortunately here more and more junk gets bridged from X etc. I hope some client will add a local LLM so that I can filter my feed. I only want positive and bitcoin development related content in my feed.
Jack's rant on money is spot on. Great analogies to share with anyone who needs basics on good money. #WhyBitcoin101
That's a massive dump. Any specific reason for that?
As long as someone pays everything is fine. That's the kind of mindset the fiat era has brought us. Any sense for right and wrong has gone as long as it pays. How much too come to your house and shit on your floor? I bet you would be happy to allow it if they pay you well, right?
Added a bunch of updates over the last few months to Convy. And, as always, no gatekeepers. Just install straight from your browser as a PWA and enjoy 😎✌️
😅
#dogstr #dog #marketing
Personally, I think it's great if we get duplicates in the feed. It mimics real speech, where good/important stuff also spreads when several people start talking to you about the same stuff. Can't be more organic, imo. This way, I'll also be much more likely to see it, instead of missing it in my feed.
I can't tell if this is a skit or not, but this is probably happening all across the world right now
😂
Why has my Nostr feed turned toxic lately?
I've always loved how positive my Nostr timeline was - until the past few weeks. I couldn't figure out what changed, until now.
I recently switched to Primal because I was frustrated with my previous client. And just now I found out that Primal's mute filters only work for accounts I don't follow. As soon as I follow someone, my muted‑word list is ignored for their posts.
That's why I'm suddenly bombarded with the same depressing political noise that pushed me away from Twitter years ago - vaccine debates, Trump, Gaza, and other topics I personally don't want filling my mind.
nostr:nprofile1qqs9xtvrphl7p8qnua0gk9zusft33lqjkqqr7cwkr6g8wusu0lle8jcprfmhxue69uhhyetvv9ujuumwdae8gtnnda3kjctv9ukqzxthwden5te0dehhxarjvd5x2cmt9ekk2tmjv4kxz7gt0sjh7 team, please fix this. Add an option like "include follows for muted words filter". It would restore the clean, uplifting experience that made Nostr great for me.
Thanks 🙏💜
