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For Bisq, that may work but not for RoboSats:
The fiat payment method should be able to send and receive instantly because the hodl invoice had an expiration time of 24 hours. if the timer reaches the expiration, it could trigger a dispute and could lead to a loss of fidelity bond.
Fiat Best Practices - For both bitcoin buyer and seller https://learn.robosats.com/docs/payment-methods/#for-both-bitcoin-buyer-and-seller
Bisq is pretty niceeee
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