Bitcoin doesn’t need more wallets.
It needs more tools for real businesses, real merchants, and proactive retail users.

Bitcoin was created by Satoshi Nakamoto with a clear and radical premise for its time: a purely peer-to-peer electronic cash system, capable of enabling direct online payments between people without going through financial institutions.

Over the years, that original concept gradually faded. Bitcoin shifted from being understood primarily as a means of payment to becoming, for many, a store of value. Along the way, intermediaries appeared: custodians, exchanges, and multiple layers required just to access BTC.

The result is a widespread collective mindset:

Why should I spend my bitcoins at a store?

Saving vs. using BitcoinSaving vs. using Bitcoin

The question is valid. In fact, most of us who truly understand the value of Bitcoin myself included prefer to save rather than spend it. Bitcoin encourages saving, planning, and preserving the fruits of one’s labor.

However, if we take this reasoning one step further, two unavoidable questions arise:

• How do we acquire more bitcoin?
• How will we use it in the future?

Bitcoin is not just an asset. It is a system that incentivizes value creation. Those who create value need liquidity to live, pay expenses, support their families, and operate a business.

Any surplus can be saved in bitcoin, but the cycle is only complete when there is an economy where Bitcoin is also used.

Flipping the logicFlipping the logic

If the ultimate goal is to accumulate BTC, then the question flips:

Why not charge in bitcoin and convert only what is strictly necessary to fiat, instead of doing the opposite?

That simple shift restores something fundamental:

• A safer environment
• Freedom from arbitrary account freezes
• No permission required to use the fruits of one’s labor
• Less regulatory friction

Even if this argument does not persuade everyone, one key question remains:

What are our plans for using the bitcoin we are saving today in the future?

I do not start from the idea that Bitcoin will make us rich. I start from something simpler and more powerful: that the value of our work can be preserved over time, without being eroded or confiscated.

Does it make sense to accept that the State or regulations can block, tax, or condition our money just so we can convert it back to USD and ask permission to use it in daily life?

The time mismatchThe time mismatch

Many assume that Bitcoin will become a global store of value over the course of decades. Even if that scenario unfolds slowly, throughout that entire process there is a constant exchange of value.

• Fiat money loses purchasing power
• Bitcoin tends to gain it

Every second that passes, fiat depreciates and Bitcoin appreciates.

Yet today, most users and merchants remain tied to the banking system and everything that entails. This dependency hinders adoption.

That is why the same explanations are repeated:

• “There’s a lack of education”
• “My customers don’t ask for bitcoin”
• “Adoption is missing”

This is partly true. Education matters, and the work done by thousands of individuals and organizations is valuable and necessary.

But knowledge alone is not enough.

From education to actionFrom education to action

What good is understanding Bitcoin if we don’t put it into practice?

Teaching people how to use a wallet and then leaving them on their own is insufficient. It’s time to move into a second phase:

• Action
• Simplification
• Gradual disconnection from traditional systems

Retail businesses cannot remain passive observers, waiting for permissions, regulations, or external decisions to define their future.

The future of the business and of the family that depends on it belongs to those who build it.

Any business that buys Bitcoin can and should take an active role:

• Accept it
• Promote it
• Incentivize it within its community
• Normalize its use

The “excuses” problemThe “excuses” problem

The recurring fears are usually:

• Cost
• Complexity
• Being perceived as “weird”

Today, those excuses carry far less weight.

Open-source tools already exist that allow businesses to accept Bitcoin simply, for free or at very low cost. Initiatives like ZatoBox were born with this vision: reducing friction and enabling real adoption.

Comfort vs. necessityComfort vs. necessity

Many will read this from countries with relatively stable economies, where comfort still exists and oppression is silent.

That comfort allows people to sleep peacefully until a sensitive nerve is touched.

Then comfort turns into urgency.
Urgency turns into necessity.

Adoption does not happen when something is appealing.
It happens when it becomes necessary.

So the question is inevitable:

Will we wait for an emergency, or will we choose to act while we still have room to decide?

Spending Bitcoin through intermediariesSpending Bitcoin through intermediaries

Today, alternative solutions exist such as Bitrefill and similar platforms that allow Bitcoin to be used in the real world through cards, with or without KYC.

These are good tools. They serve an important function: enabling everyday use of BTC in a system that is not yet ready to adopt it natively.

But the real question is not whether they work it is for how long and at what cost.

These solutions still:

• Depend on third parties
• Record every transaction
• Maintain full visibility into consumption habits

In practice, we replace one intermediary with another.

This is not about demonizing these tools they are useful at this stage but about recognizing their limits.

As long as Bitcoin usage depends on bridges to the traditional system, ultimate control does not rest with the user.

Merchants as P2P nodesMerchants as P2P nodes

We know that full Bitcoin adoption in commerce will be slow and uneven.

Given that reality, the real question becomes:

What do we do in the meantime, while intermediaries are regulated or shut down?

Here a second phase emerges still conceptual that builds on existing P2P systems for USDT and BTC, while introducing a new element:

The physical merchant as a local intermediary within a decentralized network.

Today, P2P exchanges exist where individuals trade electronically via bank transfers. They work but they are not free.

Sending money across borders often requires:

• Justifying origin of funds
• Banking compliance
• Friction that ordinary people cannot meet

Bitcoin-friendly merchants change this dynamic.

Merchants already have:

• Physical locations
• Accounting structures
• Operational legitimacy

And in many parts of the world, they already act as informal P2P actors out of necessity.

At the same time, it is important to be clear:

Bitcoin and USDT are not efficient tools for large-scale money laundering.

Public blockchains, traceability, and on-chain analysis make that extremely difficult.

So the inevitable question arises:

What if merchants became the P2P nodes of the network themselves?

A safer exchange modelA safer exchange model

This would solve one of the biggest problems of in-person P2P exchanges: physical risk.

Instead of meeting strangers, exchanges happen through established businesses with reputations and fixed locations.

If these merchants connect to a global decentralized P2P liquidity network, the result is powerful:

• Fiat remains local
• Bitcoin moves globally
• Merchants act as cashiers of a decentralized financial infrastructure

What this is and what it is notWhat this is and what it is not

This model is not:

• A CoinJoin
• A mixer
• An anonymization tool
• A way to break traceability

It is strictly commercial.

Each transaction has:

• A clear price
• A defined counterparty
• A concrete economic purpose

The goal is not to force a rupture, but to create an intermediate, functional layer usable today one that bridges the physical world with the sovereign digital world while Bitcoin adoption matures.

In that process, liquidity providers and merchants can:

• Contribute to adoption
• Generate income by participating in the network

Final thoughtsFinal thoughts

The solution is not creating more wallets.

Real progress lies in building merchant-first tools designed for real businesses, not ideal users.

When technology adapts to the natural flow of commerce, perceived risk drops to near zero and adoption stops being ideological and becomes practical.

Integration must be invisible.

Bitcoin does not need a spotlight at the checkout.
It needs to work better than the alternative.

Bitcoin is not being rejected.
It is being postponed.

And postponement is not neutral.

Every day without building these layers, someone else decides for us: banks, processors, regulations, or inertia.

Adoption does not happen through education alone.

Either the right tools are built or the future of money will be defined without those who claim to believe in it.

https://www.zatobox.io/