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