[Bitcoin-dev] Towards a Singular Payment Protocol

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What if they don’t accept what my wallet then says? I would argue almost no existing standard is fully implemented in any wallet. With this in mind, why define a new standard when those other projects could just start using Lightning and take advantage of its invoice standard? I feel like Lightning invoices and the current discussions around enhancements and improvements in them are more than sufficient to cover our needs for the foreseeable future and beyond that I’d prefer solutions built on top of that than something built with complexity that I see as entirely unnecessary. The Lightning Network is a payment network and can be used with other blockchains (assuming you’re willing to trust their fundamentally flawed security models). However, this can be risky, as if you start losing money, your bankroll will diminish until it’s all gone, and you’ll need to deposit more if you want to keep playing. You will often find that you are limited on the slots you can play on. The merchant will quote a price in euro and their system will ask me to pay in Bitcoin.

I reject the idea that that basic assumption has any merit to it since in practical terms I see no push towards adoption of anything other than Bitcoin, and in theoretical terms, I see no way that anything other than Bitcoin will continue to exist over the mid to long term. It may differ slightly due to different exchange rate providers being called, but I am clear on what I need to pay and have an idea of whether it accords to the listed price of the item. I don’t have that level of optimism. To be fully realized, clearly it would be best to have the others depreciated. The current behaviour is superior to that. My current expectation is to support BOLT11 with BIP-21 fallback, plus BIP-21 standalone. This may be the case, but for Bitcoin at least, BIP-21 is relatively well standardised even if not fully implemented by everyone. A well written spec should be able to foresee issues of conflict and design around them. Bitcoin is an open protocol and no individual gets to dictate “the right way”. Right now, I use Bitcoin exclusively, but goods are services around me are (usually) priced in euro. Here, we agree. Payments are indeed separate to the underlying technology.

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