74 lines
2.1 KiB
Markdown
74 lines
2.1 KiB
Markdown
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# Commerce - Bitcoin-Accepting Businesses
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# NodeZero Funchal
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## Architecture
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Lightning-powered merchant ecosystem where businesses accept Bitcoin with
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on-chain receipts and mesh-verified identity.
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## Merchant Categories
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- Restaurants & caf6s
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- Retail shops
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- Hotels & guesthouses
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- Healthcare providers
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- Education services
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- Tourism operators
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- Transportation services
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## Key Components
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- **POS System:** QR code Lightning payments, no banking intermediaries
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- **Merchant Registry:** Mesh-verified businesses with on-chain identity
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- **Payment Gateway:** Lightning network settlement
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- **Treasury Integration:** Bitcoin treasury connection
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- **Receipt Ledger:** On-chain transaction records
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- **Discovery Service:** Mesh-based merchant discovery
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## Payment Flow
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1. Customer scans merchant QR code
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2. Lightning payment routed via mesh
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3. Instant settlement to merchant wallet
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4. On-chain receipt generated
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5. Transaction recorded on mesh ledger
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6. Merchant rating updated
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## Integration Points
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- Mesh network (payment routing, identity)
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- Bitcoin Ledger (settlement, receipts)
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- Workforce (worker payments)
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- Governance (treasury management)
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- Mobility (driver payments)
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- Delivery (delivery payments)
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## Features
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- Low transaction fees (0.1%)
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- Instant settlement (no waiting periods)
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- Multi-currency support (BTC, USDC, EUR)
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- On-chain receipts for accounting
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- Mesh verification badge
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- Dynamic merchant categories
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- Business wallet management
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- Automated treasury contributions
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- Stablecoin conversion option
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## Metrics
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| Metric | Target |
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|----------|-----|
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| Businesses onboarded | 500+ |
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| Lightning acceptance rate | 80% of businesses |
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| Daily transaction volume | EUR 50K+ |
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| Average transaction | EUR 25 |
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| Transaction fees per biz | EUR 0.05-0.50/day |
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## Implementation
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- Phase 1: 100 businesses (core zones A, B, C)
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- Phase 2: Full onboarding (all zones, 500+)
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- Business wallets on mesh
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- POS terminals installed and verified
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- Merchant discovery via mesh app
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## Future
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- Cross-border merchant network
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- Smart contract subscriptions
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- Merchant loyalty tokens
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- B2B mesh payments
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- DeFi integration for merchant treasury
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