<p>Carel van Wyk is the founder and CEO of MoneyBadger. MoneyBadger enables easy bitcoin payments at 650 thousand stores in South Africa. <br /><br />MoneyBadger on Nostr: <a href="https://primal.net/p/nprofile1qqsz85k206vm3vqdmlvcy9l4kyfqchlnf4hnctasxufa3ph0ck9decgpk49rf" target="_blank">https://primal.net/p/nprofile1qqsz85k206vm3vqdmlvcy9l4kyfqchlnf4hnctasxufa3ph0ck9decgpk49rf</a> <br />MoneyBadger on X: <a href="https://x.com/MoneyBadgerPay" target="_blank">https://x.com/MoneyBadgerPay</a><br />Wesbite: <a href="https://www.moneybadger.co.za/" target="_blank">https://www.moneybadger.co.za/</a><br /><br />EPISODE: 189<br />BLOCK: 933542<br />PRICE:&nbsp; 1112 sats per dollar<br /><br /><p>(00:03:26) What is Money Badger? Mission and merchant focus</p><p>(00:05:13) Paying anywhere in South Africa</p><p>(00:05:27) 650,000 locations</p><p>(00:07:04) Leveraging existing QR payment rails and the Pick n Pay breakthrough</p><p>(00:10:01) How the flow works: bridging proprietary QR to Lightning</p><p>(00:11:18) MoneyBadger app as translator vs. using any Lightning wallet</p><p>(00:13:04) Fiat settlement, volatility handling, and business model</p><p>(00:17:07) Why no Money Badger wallet? Integrations with Blink, Zeus, Aqua</p><p>(00:20:20) A clever LNURL/Lightning Address pattern to decode merchant QRs</p><p>(00:23:39) Pragmatic, a bit hacky, and works across wallets</p><p>(00:28:04) Replicability beyond SA: Kenya’s M‑Pesa, Ghana, Latin America</p><p>(00:32:10) Creating demand: Bitcoin Ekasi as proof-of-use for Pick n Pay</p><p>(00:35:15) Real usage: growth to ~5k tx/month and $200k volume</p><p>(00:39:40) Who spends Bitcoin? From cash users to OGs and ideologues</p><p>(00:42:34) Incentives and the challenge of moving the middle</p><p>(00:43:42) Tax context in South Africa: capital gains thresholds</p><p>(00:46:59) UX talk: tap-to-pay vs. QR, hardware realities and patience</p><p>(00:49:12) Beyond POS: treasury, suppliers, and stablecoin pull</p><p>(00:51:03) Bitcoin vs. stablecoins in SA usage; Luno/Binance integrations</p><p>(00:55:07) Wild flexibility: paying with almost any token via partners</p><p>(00:57:46) Urgency to prove Bitcoin as money before it’s siloed</p><p>(00:58:00) Hypothetical: Square/Cash App design vs. bridge approach</p><p>(01:03:41) Consumer friction at checkout and signaling acceptance</p><p>(01:07:38) Tipping, bridges to Venmo/Cash App, and cash realities</p><p>(01:09:19) Call to action: spend Bitcoin to create demand</p><p>(01:11:08) Wrap-up: plans to visit SA, links, and farewell</p><br /><br />more info on the show: <a href="https://citadeldispatch.com" target="_blank">https://citadeldispatch.com</a><br />learn more about me: <a href="https://odell.xyz" target="_blank">https://odell.xyz</a></p>