Monero is an online currency, not an IRL one

@xenu I'm amazed with monero community. It's the only genuine cryptocurrencies that want to have real economy. Other community only talk about price and hold for profit. Well bitcoin also want to build genuine economy too i guess with how many content there are in youtube, but btc sucks for privacy. If we nurture the community, the economy should naturally grow as well

@sepia well, we have moonboys in Monero too but Monero mogs all of them except Bitcoin regarding p2p adoption. The longer we continue building the more the economy grows.
I also love the healthy skepticism. I think this is highly valuable for what crypto anarchists want to achieve.

After reading your remarks I don’t know what to say. First, your conclusion may be correct, but one thing is certain: the way you reached it shows with 99% probability that you’ve never run any irl business.

First, merchants today use many different payment methods in many countries: PayPal, Alipay, and countless other apps, and it’s impractical for a merchant to maintain all of them, so they use “aggregated payment” providers, similar to third‑party BTCPay. Aggregators typically settle on a T+1 cycle and disputes are common. If a merchant truly only cared about instant settlement, why wouldn’t they just accept cash? 0ms settlement, 100% secure.

Second, compared with settlement speed, merchants today care far more about the safety of their funds. Ten years ago that might not have mattered as much, but funny days are over. PayPal’s aggressive risk controls, frozen bank accounts, and even, in developed countries, unexplained large debits from banks are real risks: I once ran a business in Japan and had the bank deduct 500000+ yen without explanation while both the bank and police refused to explain. Transactions can be flagged, and funds can be restricted after completion. More important than speed is whether a transaction completes reliably and whether the resulting funds are free from restrictions. That’s where many cryptocurrencies have an advantage: after the first block confirmation there’s a 99.999% chance the transaction is final.

Third, and this is the most shit point I see : in Manila simply having a empty money wallet can mark you as a target. If that’s the case, why open a business in a dangerous place? Who would willingly expose their transactions and themselves to danger?

Also, accepting and using Monero IRL is not about expecting to profit from Monero transactions themselves, anyone who has actually run a shop wouldn’t think that way. It’s about promoting Monero through real‑world human interactions. If you’ve worked in the service industry you know a shop’s décor, the front‑of‑house staff’s words and smiles can decide whether a customer comes once or a hundred times. In a place that shows humanity, putting up a poster and answering a curious question works orders of 50x better than posting on X with few people viewed.

@sepia

But if the usage of crypto has reach the same level as cash, then it's become safe to use for everyday transaction because you're no longer the odd one out.

In this hypothetical scenario (that's very much rushed far into the future , to the point I really don't believe it matters currently, far more pressing issues come first), it is highly likely that by the time you can walk up to a store and buy in XMR, crypto/CBDCs have become the new contactless payment method.

@xenu for some reason, I can somewhat tolerate the moonboys for Monero. It's got to be because they're at least mooning over an "asset" with an actual inherent value, unlike literally evey single other crypto out there that'll go to zero when this clown show is over.

@GlitchFrame
Good to have the perspective of people who actually have first hand experience and know what they're talking about, I totally forgot to bring up the idea that merchants don't really care what you pay in as long as it makes you come to their shop. This is something we have locally where you're basically killing your business if you don't support one popular payment method here, (being vague because specifics are beside the poont).

I completely disagree that Monero has no place as an IRL currency.
Its true the cash has better UX, and similar advantages (private and unstoppable).
But XMR is connected to the entire wallet annon ecosystem which resists fiat access controls which censor legit transactions every single day.
So there are certain customers and business (myself included), who should strongly prefer to transact in Monero rather than cash. Coffee is a bad example for UX reasons. But what about a car dealership or mechanic, tree surgeon or a dentist. Monero all day long bro.