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M-Pesa & Cash App are mostly A2A ledger entries — fast internal accounting, not true P2P settlement.

Bitcoin + Lightning is different: real B2B/B2C settlement on an open network.

These apps are great stepping stones. The endgame: a circular bitcoin economy where value moves P2P

lightning

Are phone to phone payments foreshadowing p2p payments on open protocols?

06bc1a977d

M-Pesa & Cash App are mostly A2A ledger entries — fast internal accounting, not true P2P settlement.

Bitcoin + Lightning is different: real B2B/B2C settlement on an open network.

These apps are great stepping stones. The endgame: a circular bitcoin economy where value moves P2P

[Source](https://xcancel.com/KenyaCoin/status/2058708087461085549)