Anypay Leads Charge in P2P Payment Protocols

One of our users emailed today with a particularly great complaint. We always appreciate your critical feedback, and this one probably applies to a lot of you! The following is the complaint (with the response) for your benefit. The text has been edited to protect the user’s identity:

Dear Anypay Support,

I am having trouble using your service. I have used your service several times in the past with [e-commerce site] and had no problems. This time however, I was not given a public key to send my payment to and was only given a QR code. I attempted to use my camera to capture the QR code and it did capture but the QR code info came up as invalid in my wallet. Why have you removed the public key so I can copy and paste it to make my payments? So far this difficulty has caused me to pass on making 3 purchases at [e-commerce site] due to payment problems.

I noticed other payment services are doing the same shallow thinking by switching to only QR codes and are removing the public key for legacy users. I can no longer recommend Anypay until this is remedied. Neither your QR code works nor do you give any other options to use other than Money Button lol. And Money Button requires me to be logged in at all times (nor does it support Brave browser), so that is also a pain like QR codes are also a pain.

There are studies that show that most Americans do not wish to use QR codes, so having another option is a good thing for USA audiences. I am not sure why you would cancel a feature that your business relied upon as changes break the ritualistic behavior customers come to expect. It is hard to get customers and easy to lose them and making arbitrary changes is one way to lose them fast since humans are ritualistic and like to have their expectations met once established. 

Please know if I did not want a good BSV service to exist, I would not have gone to the trouble to write this and just found another way to make my purchase outside of BSV. 


Email sent to Anypay Support Team from a user

Darn. It looks like in our effort to improve user experience, we ruined this user’s experience! If he is asking about this, then there must be more of you out there who have the same question. So here is my response to him (and you too):

Hi there,

Thank you for writing to me and sharing your feedback! All feedback is appreciated, especially when critical. My goal is to provide you with the most delightful payment experience imaginable. I am especially happy to hear you want a good BSV service to exist, and I aim to do you proud in that regard.

So that I understand: I hear that you were stopped from making a payment 3 times because you were unable to easily make a payment. Something about the process changed. You used to be able to see the public key so you can copy and paste it to make payments. Now you can’t, and that’s frustrating.

I have good news for you. The old way still works. Here’s how:

Option 1:  Click the “Open in Wallet” button to pay with your favorite desktop wallet.

Option 2: Click the “Copy” button and paste into any BSV wallet that supports Bip270.

Option 3:  Click the QR code to change its format from Bip270 to “Legacy style.” Then click the “Copy” button and paste into your favorite BSV wallet.

So that I can better serve you, can you please tell me what wallet(s) you prefer to use?


Derrick Horton
Product Manager, Anypay
Telegram: @derrickhorton

PS: Why would Anypay do something so stupid?! 
When bitpay introduced the Bip70 protocol rather than having users manually enter the bitcoin address and amount, customer service requests and error rates plummeted 98%. You and I are pros and won’t mess up, but lots of other people do. As we introduce friends and family to bitcoin, we are moving toward this fail-proof method. Using Bip270 also allows Anypay to do amazing and unique things like provide payment tokens to BSV users so they can leave cryptographically-verifiable reviews using True Reviews, and much more. Learn more here:

Anypay Support email response to a user

What do you think of that? Is Anypay right to deprecate the legacy-style of copying and pasting addresses manually from one screen to another in order to make a bitcoin payment?

True Reviews with Anypay

Steven and I went on an adventure to use True Reviews in our town of Portsmouth, New Hampshire. We walked over to our favorite organic restaurant and picked up some salads and produce to go.

Steven paid using his MoneyButton (via the NRG.CITY web app), and was prompted to leave a True Review. Here’s what it looked like when we did that.

The Anypay Protocol

Skip the marketing copy. Show me the documentation.

Your Wallet, Made Magic

Have you ever bought something with bitcoin? It’s bleeping awful, isn’t it? I should know. I have been running a bitcoin payments company for years. And it’s never gotten much better in 10 years of bitcoin.

We always sell it as “simple” and “easy” and “tap, swipe, send!”

But you know, and I know, that it’s never that easy.

It’s awkward. It’s slow. It’s complicated and confusing. Even a seasoned pro, even a freaking wallet developer, will walk up to a bitcoin payment screen, and pause. Hmmmm. Okay. Now what?

Meanwhile, people are in line behind you, or someone is watching curiously, or worse — recording you. The pressure mounts. You do things without looking. You open your phone and play trombone with the camera until the damn QR scans. You look and feel like a damn fool while trying to look cool.

Now add to that — the possibility of paying with dozens or hundreds of of other coins.

No. Just no.

Now the cashier has to ask you, “Which one do you want?”

They have to *know* about Bitcoin Cash, or Bitcoin Core, or BSV, or Cardano, or whatever the heck. And all of it is just freaking stupid.

It should be, “Open. Scan. Send.”

That’s what everyone *wants* it to be.

Why we’re not there yet is … well, probably there are lots of reasons but here we are.

The Anypay Protocol

Okay so Anypay is a multi-coin point of sale. Merchants can choose which coins they want to accept from a small handful of popular options. The cashier types in the amount to pay (in local fiat), and the Anypay app converts it on the spot to a payment request for BSV (or BCH, BTC, or DASH).

Okay, so then say the customer wants to pay with a different coin. Now they have to ask the cashier to change it. Or if they know, they have to reach over and tap the screen themselves. YUCK. Who wants that?

Okay, so they select the coin they want, they pay, and it’s over with. But was that the best experience?


The Anypay Protocol is a simple 1-line change in the code of most wallets that will make every payment magic.

Imagine this:

You walk into a smoothie shop and order a Rocket Fuel (Cold-brew coffee, oat milk, house made PB, banana, cacao powder, maple — delicious).

The friendly cashier, Miranda, says, “That’ll be $8.47. Cash or card?”


“Ah, okay! We can do that. Hold on.” Miranda taps on the iPad a few times, then turns the iPad around to face you. “Here you go.”

You scan it with your DASH WALLET.

“$8.47. Send?”


It’s a bitcoin invoice, right? Yeah, but thanks to the magic of the Anypay Protocol, your Dash wallet knows exactly what to do.

You open your Badger Wallet to double check that QR code. You scan it.

“$8.47. Send?”


It’s nothing. Don’t worry about it. Most people will never have to know. Your mom, your dad, your sister. They will all just scan and it will work perfectly with whatever coin or wallet they use. Because it *has to* be like that. If we’re ever going to get anywhere with this bitcoin thing being used as money, we have GOT to get to the point where it’s slick. Where it’s faster than a credit card. Where it’s as easy as handing over a credit card.

Like, what if MasterCard and Visa and AMEX were all different sizes? That required different processes for swiping? Or different hardware? Or different ANYTHING?

Would you put up with that? NO!

Are you a nerd? You wanna know how it works? Okay lemme break it down for you real quick.

A QR code like this is what you are used to seeing.

bitcoin:1JsTp8URdpac1ySKgh4WjBAYQECsU23Nd6?sv&amount=0.051251&label=Derrick is Awesome Inc

This QR code contains a standard data structure that bitcoin wallets can read.


This data has 3 parts:

  1. A coin name to tell the wallet what type of coin it is for. (Multi coin wallets like Coinomi and Exodus use this)
  2. It has an address (where the coin is to be sent)
  3. An amount (how much of the coin to send)

This is the standard way for years and years that people communicated payment information with bitcoin. It’s okay, I guess. But check this out:

This QR code looks the same, but under the hood, it is rocking the following information:


Okay. My Dash wallet can read that?

Yes. Here’s how:

The Dash Wallet developers made one tiny change to their code. (Okay, it was more involved than that in their case, but for some wallets it is literally just a one line change.)

All they did was make it so that instead of reading, “dash:”, the wallet will also accept, “pay:”

After it reads that, it knows this is a payment URL. The wallet goes to the URL, and grabs the relevant information being served up there. Anypay does its part by providing information relevant to the Dash wallet.

“Here you go, buddy,” Anypay says to the Dash wallet.

“Thanks, bud. You’re a real pal,” the Dash wallet responds.

And off they go, magically making your payment happen in a split second. Taking care of all the complex behind-the-scenes work behind a black curtain so you don’t have to bother with thinking or tapping or waiting or asking.

Just let the girl at the counter present you a QR code, and scan it with whatever wallet you love most.

What’s that, you say? You’re not sure if your wallet supports the Anypay protocol? Well let’s fix that!

Here’s the documentation. Like I said, for most wallets, it’s a single line code change (if you already support payment URLs, which you probably do). But if not, these handy guides can help you do it. Your users want your wallet to be magic. They want to pay a Dash invoice with BSV. Let Anypay give your wallet superpowers you can show your friends.

The Anypay Protocol was developed by Steven Zeiler under the BipCot NoGov Software License v1.2 Use by anyone except governments and their agents is ok. It is not copyright-based, it is entirely shame-based. Learn more at


Here is how to implement the Anypay Protocol in your wallet:


Your wallet already knows how to parse QR codes that say:






Presumably, your wallet also knows how to parse URIs like this:


Now the only difference is to make your wallet recognize URIs that start with the word pay:


That is the Anypay protocol. When your wallet sees the word pay: and then a URI (like above), then it will go to that endpoint, grab the relevant headers, and populate your wallet with the necessary information to pay the invoice.

All of this happens in a split second.

What do you get BitCoin for his tenth birthday? A Pizza Party!

A local business owner walked into the Anypay offices a few weeks ago.

“Would be awesome to take bitcoin at my restaurant. Do you guys… do that?”

Turns out he owns a pizza shop and likes bitcoin. Well isn’t that good timing? Bitcoin Pizza Day right around the corner, and a guy walks in ready to sell me pizzas for bitcoin. It was fate.

He downloaded Anypay, set some addresses, and took a payment.

“Cool! That’s it?”

Yeah, that’s everyone’s reaction the first time they use Anypay.

I asked him if we could bring some friends to his restaurant and use bitcoin. He was like, “Yeah!” So a week later, we went to try it out. Bought some spicy chicken wings and a case of cold Guinness beers to go. Tap, tap, tap. Scan, ding, cha-ching! Easy.

Okay, that worked.

He was like, “My cashier can just ring people up like this? On their phones? Okay, that sounds simple enough.”

So I went home, got on, and announced an event for May 22, Bitcoin Pizza Day. Got zero response there. Ha! But fortunately on Facebook, 10 people RSVP’d as Going, and 18 as Maybe. Not bad! But how many would show up?

Turned out to be a really nice day. 86 degrees Fahrenheit at 5pm in Portsmouth. Off I went early to the meetup with Steven so that I could help to train the staff on what was about to go down. People would soon be arriving to buy stuff from the restaurant, and the cashiers needed to know what to do.

I met them all. They were happy to see me. “OH, Albert told us you’d be here!” Two of them stepped up and said, “We need our phones, right?”

Tap, tap, tap. Cha-ching, cha-ching. $1.00 test payment. $0.50 test payment. $0.05 test payment. Okay, I think we got it.

Now for the first order.

“Two large pizzas with extra toppings, that’ll be $42.17. How would you like to pay?”

“Bitcoin, please.”

“Of course!” She smiled and popped open the app she had saved to her home screen. Tap, tap, tap. Ding! Confetti on her screen.

“Okay! That’ll be ready in about ten minutes. I’ll bring it out to you. Do you need some paper plates and napkins?”

Awesome. I was so happy. This was it! Another restaurant taking bitcoin. The real stuff. Directly to the owner. Feels good, man.

In the end, there were ten people who showed up (eleven if you include one couple’s toddler). Here are some pictures and videos of today’s meetup for the history books.

Yes, in the title of this article, I said “Birthday.” Now, most people consider the white paper’s publishing date to be bitcoin’s birthday, but they’re wrong! Bitcoin is not an idea. Bitcoin is money! The white paper conceived bitcoin. The genesis block gave it a heartbeat (every ten minutes). Bitcoin Pizza Day was bitcoin’s journey through the birth canal and out into the real world.

With great love and respect,

Derrick Horton
President, Anypay Inc.

P.S. Eight of us paid with BCH today. One person paid with a credit card (we made fun of him). One person (me) paid with BTC. Is it my favorite? No. I did it to honor the business owner’s preference. That’s what he wants, so I gave it to him.

Can you believe some people who live in the same town as this pizza place didn’t come to this event because the business owner doesn’t have a Dash wallet? Wow! Don’t let that be you! You will miss out on the fun.

The fact that we had this party here today and paid in his preferred way gives us credibility. Now when we go to him and ask if he would consider BitcoinSV, he will be listening with both ears because we are already paying customers who can give him something that few others can.

Be brave. Be fun. Be bitcoin.

These services will blow your mind. All are BSV only.

You need to know about these.

Most people who think they are “in bitcoin” connect a bank account to Coinbase, log into Twitter, and watch the red and green candles take them on emotional rollercoaster rides like pathetic gambling addicts.

Anyone who is worth anything actually uses bitcoin. And if you use bitcoin, you quickly discover what’s good and what’s not. I shouldn’t even be telling you this because so much of bitcoin is an intelligence test to keep stupid people out, but at the risk of alienating myself from the most intelligent among us, here are some links to stuff that I personally have used and really think you ought to know about.

In alphabetical order:


audioB – Discover and share original audio created by independent music producers, podcasters, DJs and more. Reward your favourite artists with micro-payments, powered by Bitcoin SV.


Ark – App and Chrome Extension powered by BitcoinSV that gives you the super power to save stories and articles and cool websites that you love. Imagine if every time you saw an article you liked but didn’t have time to read, you could just save it in your Ark. It then gets posted to the blockchain in its entirety, so even if the website goes down or gets censored, you still have it permanently recorded. Of course, everything is locked up and protected the same way your bitcoin wallet is — with a 12-word backup phrase. Now imagine you are long gone, and your grandchildren want to know what made you such a great person. What was grandpa reading back in 2020? You can hand over your 12-word phrase to anyone you want, and they can see the entire history of everything you ever posted. All the articles you read and liked and wanted to save. Everything.


Baemail – Encrypt emails and apply economics to your inbox. Instead of all emails being free (which, nothing is truly free) — you can attach bitcoin to messages you send to friends. Your inbox can tell people, “Hey, to send George a message and have your email appear at the top of his inbox, you will need to attach $1.28” — Wouldn’t you be a lot more likely to open and read an email if you got paid for your precious time?

bico.mediaUpload huge files of any type to the bitcoin blockchain and share them as easily as you do a link. Pictures, audio, video, documents, whatever. This site makes it super easy. Upload, pay some bitcoin, and enjoy your files.


bitpic – An avatar that you post in one place, on bitcoin, and you can use it on all of your web services. It’s like Gravitar, but you own it (with your keys). It’s nice having a profile picture!


bitstagram – A cool, easy place to post and share pictures that you want to save for a long time. Sort of like Instagram, but instead of some faceless corporation owning your pictures once you post them, these pictures are yours. Meaning, they were published and signed using your keys. So you can cryptographically prove ownership. Take your posts and republish them anywhere you please. – A website that gives you the super power to post text to the bitcoin blockchain. All your posts are signed with your private key. You can show previews of your posts to everyone on the site, reveal the whole thing, or put all or part of it behind a paywall. When you pay to read someone’s content, that is a bitcoin transaction that goes from your wallet to theirs, and it leaves a permanent record of that transaction on the blockchain. Beautiful. Owning your keys means you can always take your content with you with that same 12-word backup phrase you use for your wallet and pop it into any bitcoin client. Amazing.

Coin Dance

Coin Dance – The most important bitcoin charts you need to see. All the essentials about BTC, BCH, and BSV. Hash rates, transaction volumes, average fees, etc. Even a brief look at these charts will reveal exciting insights into the past, present, and future of bitcoin.


HandCash – The best Bitcoin wallet. Period. I love to use it. I have used dozens over the years. This one puts them all to shame. You can have a handle, so no more annoying scanning long strings of letters and numbers. Just send $5 to $derrickj and you’re done. Instant confirmation, so you can turn around and spend your money right away. Of course it works even if you only send $0.01. Supports the Anypay Protocol. These guys are the best.

Money Button

Money Button – Holy hell, this one is amazing. You have no idea. Imagine a button that can appear on any site, and you swipe the button, and it pays. There are even invisible Money Buttons so that when you click the “Like” button on a post, it automatically pays out $0.02 or whatever it costs. For programmers, this is amazing because if you wanted to sell a mug on your website before, you had to take in all kinds of baloney information and have forms and security and make it do all this complicated stuff but now with Money Button, all that is taken care of magically with Bitcoin. You can use this to power all kinds of stuff, like identity verification, and signing into apps like Twetch, where you can use it for your wallet as well. It also supports creating countless Paymails that you can even put on the market for others to buy with Bitcoin!


Planaria – A way to use bitcoin as a computer. I don’t fully understand this one because my IQ just isn’t high enough, but my understanding is that you can write programs and they can be executed by anyone (or anything) interacting with them via bitcoin transactions.

Planaria Corp

Planaria Corp – A profit-seeking corporation based in New York City that aims to create powerful, simple, and elegant tools for people to use to build on bitcoin. It’s almost like the world has just begun, and man has just invented fire (bitcoin), and Planaria Corp opened up a Home Depot across the street from our caves. Here’s a hammer. Here’s a chainsaw. Here’s some pipes. Here’s some wheels. They have got it all. How do they do it?

Retro Twetch

Retro Twetch – A proof of concept that you can take the same content on Twetch and apply a new lens on top in order to use a different interface. It’s beautiful and works really well. Sometimes more fun to use than actual Twetch. And created by a super cool and helpful explainer Joshua Henslee. He’s awesome.


sCrypt – Wow so this one is ambitious. sCrypt is a programming language created to make it easy for coders to make cool stuff happen on the bitcoin blockchain. It can take human-readable code and convert it into machine readable code that bitcoin knows how to work with. You can do loops and everything you would expect from a real programming language because bitcoin is Turing complete.

Simply Cash

Simply Cash – A terrific wallet that I love to recommend. Simple. It opens right up, and you’re ready to go. Supports Paymail (a way to use a human-readable address rather than a long jumbled up mess of letters and numbers to communicate your bitcoin address.

True Reviews

True Reviews – Imagine if trolls couldn’t leave fake reviews. Yeah. Only verified customers. True Reviews uses cryptographic proofs in bitcoin to link your wallet to your reviews, so businesses can know with certainty that the person leaving a review on their page actually purchased something from their store. Businesses can focus on serving their real customers.


Twetch – One of the coolest and most ambitious products of the new century. Twetch is so much more than a Twitter on the blockchain. Their CEO Josh Petty and his terrific team of badasses have a solid vision and an attitude that matches their die-hard work ethic. They are building the interface to bitcoin. There’s a lot in that sentence, so it will take too long to unpack here, but you definitely want to start down this rabbit hole if you value your future.


WeatherSV – Remember the Ministry of Truth in 1984? They would change information in old newspapers to modify the past. He who controls the past, controls the present. He who controls the present, controls the future. So it goes. But now, with WeatherSV, that would be an impossibility. Because the weather data is stored to an immutable, distributed ledger called bitcoin.

Okay, now keep these to yourself. I don’t want word getting out that I shared them with you. If anyone asks, pretend you discovered them on your own.

With great love and respect,

Derrick Horton
President, Anypay Inc.

What’s the deal with Anypay and BTC?

“Elaine, breaking up is like knocking over a Coke machine. You can’t do it in one push; you gotta rock it back and forth a few times, and then it goes over.”

Jerry Seinfeld, The Voice

A long-time Anypay user who owns a restaurant sent me an email last night, sounding distressed. His business has been accepting bitcoin for over seven years. Until recent events made meetups impossible, his restaurant was home to the longest continuously running Bitcoin meetup in the world. Countless big names and major players in bitcoin have been his customers. So when his email came to me at 8:15 PM yesterday evening, I knew I had to reply immediately.

“I saw an article saying Anypay is no longer taking Bitcoin?!?! Please get back to me about this.”

Thanks Ian. Your click-bait article made everyone freak out at us and forced the issue.

Breaking up is hard to do. We said it was over with BTC in February. Then we took BTC back. Now it looks like we are breaking up again. Look, BTC is not marriage material. We had great times, but it is time to face facts: BTC has changed.

“In the information economy, the economy can change as fast as we change our minds.”

George Gilder, Life After Google

If you already know why using BTC sucks, you can skip this post. But for those of you who are reading this and thinking, “What the hell?” please read on, or else you will soon be hopelessly lost and confused. You need to know the truth, and I am going to tell you what no one else will.

BTC sucks for merchants

Anypay supports 3 forks of bitcoin:

  • Bitcoin Satoshi’s Vision (BSV)
  • Bitcoin Cash (BCH)
  • Bitcoin Legacy (BTC)

Anypay recommends against using Bitcoin Legacy (BTC) for payments. It is unfair to business owners and an overall bad experience for everyone.

At the time of publishing, the cost to get your bitcoin transaction into the next block is on the Bitcoin Legacy blockchain is 318 sats/byte (roughly $7.50). Let us say you are patient and can wait an extra twenty minutes to an hour, so you include a fee of $5.00.

How long can you wait?

Customers have to pay that extra fee on top no matter the size of their bill.

Even if your customer are only sending you $1.00, they have to pay $1.00 to you, plus $5.00 on top of that to send the transaction. It costs them $6.00 to send you $1.00.

Fine. Now say you wanna spend that $1.00. You can’t. You need at least $5.00 just to spend it. So now what? You can try and spend it by attaching a lower transaction fee, but then you’ll have to wait for it to get confirmed in the blockchain.

There were 80,000 unconfirmed transactions waiting in the BTC mempool earlier this week. Try transacting at a high-traffic time, and your transaction could take hours, days, or never happen and get rejected after waiting all that time. Bitcoin Legacy can only process so many transactions per day. The lower the fee, the longer you wait.

You might say, “Who cares about a five dollar transaction fee? I have a lot more than that.”

Fees, fees, fees

OK. But you have to pay a fee per input! That means if I paid you $25.00 in BTC, it would cost me $25.00 plus $5.00 to get it to you. Then you would have $25.00 in BTC, but you can only spent $20.00 worth because $5.00 gets eaten up in fees.

That is a scenario with one input, one output. What happens when you want to spend multiple outputs?

Instead of a one-time payment of $25.00, I pay for five separate drinks on five separate occasions. Let’s say each drink costs $5.00. I, as the customer, pay a total of $50.00 to transmit $25.00 of value in BTC. (That’s $5.00 for the drink, plus a $5.00 fee on top every time.)

Here’s the kicker: That $25.00 of BTC you have? It’s made up of five different inputs. Uh oh! That means you have to pay a fee on each one. That’s $5.00 per input, so it will cost you $25.00 in fees to spend. You get zero dollars of purchasing power from that $25.00 of BTC! Ouch!

How is it possible that someone spent $50.00 paying you, and you get $0.00?

Clearly, using this coin doesn’t make any sense anymore.

It screws the merchant. 

And BTC fees are only going up. 

We will keep supporting it, but God, how much longer can we continue to look ourselves in the mirror and pretend this is okay?

Fees on BCH, BSV, and DASH are all less than $0.01. I just checked, and it is currently over 31,279 times more expensive to transact on BTC. 

Aaaand it’s gone

If you thought losing your purchasing power was bad, try this on for size: BTC has a feature called “replace by fee” that allows customers to send a bitcoin transaction to a merchant, and then before it is confirmed, they can change the output (“replace”) by supplying a higher fee (“by fee”) and send the bitcoin payment back to themselves! Well that sucks if you are a merchant!

Your cashier thinks the customer paid, but after the customer walks out, he reverses the transaction, leaving you with nothing.

If you owned a bar like this guy and had been accepting BTC for seven years, you would be rightly pissed to learn this information. All that money you think you made, but it is all going to get eaten up by transaction fees? If you are lucky enough to have some value left over after paying fees, your transaction could get stuck in the mempool for hours, days, or may never confirm. Oh, and some of your customers used “replace by fee” to reverse their transactions without you or your staff knowing about it, appearing to pay while actually sending you nothing.

This merchant has countless unspent outputs. When he sends BTC, can you imagine the fee he is going to pay? Bars, like most businesses, receive lots of small dollar value transactions. He may have lots of BTC, but it is made up of tons of small inputs.

With e-currency based on cryptographic proof, without the need to trust a third party middleman, money can be secure and transactions effortless.

Satoshi Nakamoto

There is good news. Remember those qualities that made you fall in love with Bitcoin in the first place? How about the ability to transact with anyone in the world, instantly, for a fraction of a penny? What about the promise of smart contractsprograms that “live on the blockchain” and self-execute when a user sends a payment? How about decentralized, time-stamped, and encrypted data storage? Tokenized assets. Verifiable identities. Immutable records. Consensus — the solution to the Byzantine Generals Problem.

You can have all this, plus the economics that provide stability and scalability. Bitcoin Satoshi’s Vision is the bitcoin outlined in Satoshi Nakamoto’s white paper. BitcoinSV’s fees are decreasing while the number of transactions on the network are increasing.

  1. Stable protocol.
  2. Miners have choice.
  3. Miners compete to process transactions, resulting in lower transaction fees.
  4. Lower transaction fees allow for lots of transactions for lower cost to users.
  5. More transactions become possible because miners can choose to mine big blocks. (Put another way, transaction processors can choose to process more transactions.)
  6. More transactions results in more fees to the transaction processors.
  7. More transaction fees attract new transaction processors, giving users more options and lower fees overall.

These are the economic conditions you want. A fixed protocol. Competition among service providers. Freedom to differentiate. A predictable supply of monetary units with a fixed upper limit. Put all this together, and you have the best tool for communicating value among people the world has ever seen.

Now you know.

With great love and respect,

Derrick Horton
President, Anypay Inc.

HandCash & Anypay Implement Peer-to-peer Checkouts for Both Retail & Online Payments

Link to original

LONDON, April 29, 2020 /PRNewswire/ — HandCash recently announced that in conjunction with Money Button, it was undertaking a series of initiatives to make Bitcoin (BSV) function in a truly peer-to-peer fashion just as intended by its designer, Dr. Craig Steven Wright – AKA Satoshi Nakamoto. 

Today, HandCash announces that together with Anypay they have successfully implemented the famous BIP270 protocol: a peer-to-peer (or customer-to-merchant in this case) payments communication standard. It provides both online and retail merchants with safer, faster and more efficient checkouts.

While P2P Paymail effectively acts as a push transaction protocol, P2P Checkouts is a full BIP270 implementation where transaction structure negotiation is possible. In addition, payment related data is exchanged, like for example, invoice information.

This makes it possible for non-custodial wallets and merchants like Anypay to earn Bitcoin (BSV) without ever holding their customers’ money, and saving them money and bureaucracy in money transmitter and custodial licenses.

Plus, they no longer need to run a full node to monitor the whole blockchain – wallets like HandCash will send the transaction directly to them and they just need to verify it. It’s a huge win in efficiency and operational costs.

Key benefits

  • Payments that do not comply with the merchant’s requirements can be rejected before being broadcasted to the miner layer. 
  • The ability to set prices in fiat currencies, so the calculation with the current exchange rate is done every time. 
  • Improvements in user experience and reduced support tickets as the new format does not allow for wallets to send the wrong kind of token. 
  • There is no nothing new to learn from the user’s perspective as it will still work for QR code payments, deep links, NFC and mostly any other format. 
  • Compatibility with Miner ID and Merchant API. This allows payment processors to get the lowest fee rates for each checkout, while improving reliability by making sure the payment will be processed by miners. 
  • Its ability to pay to multiple recipients (other companies, individuals and organizations) in just one invoice brings unlimited creativity for designing new types of payments. 
  • Merchants can include a signed receipt ID inside the transaction. 
  • These checkout payments can be tokenized, for traceability and transparency reasons, for platforms like TrueReviews where it can help keeping with the integrity of the information submitted.

These improvements will require updating HandCash and Anypay apps, but websites already using Anypay for checkouts won’t need to do anything.

Give it a try!

See for yourself how blazing fast p2p payments are by shopping for 250+ major retailers and paying with HandCash at, as they already use the new checkout system by Anypay. Bitcoin SV checkouts just became great.


Setup Biz, Earn Rewards Every Day

What if you got bitcoin in your wallet every day?

If you set up businesses with Anypay Cash Register, not only can you give them a free and easy tool for accepting bitcoin payments, but you can also get rewards whenever people shop there.

Tons of people are already doing the hard work without getting much in the way of benefits. Now there is a system, live today, where they can earn passive income in bitcoin, delight their local businesses with an easy-to-use app for accepting multiple types of bitcoin, and drive a steady stream of traffic to those business to keep them active.

Some people have been receiving payments for months! We began this program with a pilot group of about 5 people, and now it is ready for you and your friends to take advantage of the opportunity. Get several wins in one by setting up your favorite businesses with Anypay.

P2P Protocol / Dash Core + Electrum

Programmable money is so cool. Here’s something you can do with it. “Peer to Peer” payments.

Electronic cash should go direct from customer to merchant without a third party in the middle, or a “hop” from one address to another.

Using the P2P Protocol, you can now pay electronically the same way you would with paper cash — by handing the payment directly to the merchant’s wallet yourself.

Anypay makes this super easy, and this is fully supported on Dash Android Wallet, Dash iOS Wallet, Dash Core Wallet, and Dash Electrum Wallet. Tight!

Here’s how it works. The customer’s wallet:

  1. Scans a payment request
  2. Learns the payment information
  3. Composes a transaction
  4. Signs the transaction
  5. Sends the signed transaction to the payment processor

The payment processor (Anypay) checks that the transaction is valid, and then broadcasts the signed transaction (or rejects it if invalid).

This whole process happens in less than a second. Perfect, instant settlement with Peer to Peer Electronic Cash. Let’s continue together on our life journey to expand prosperity through tech.

Bringing “Peer to Peer” Back to Bitcoin

Today I learned about an old feature in bitcoin that is new again. It is a way of transmitting information across the bitcoin network that is faster, more scalable, more peer-to-peer, and allows for more data to be shared than the traditional method.

According to Ivan from HandCash (“the Bitcoin wallet you can recommend”), Satoshi’s original client included a way to do transactions with another peer via IP, but it was vulnerable to man-in-the-middle attacks and was deleted.

Then bitpay came along and got the Bip70 thing going. That made it possible for wallets and payment processors to do something similar but with greater security. But nobody liked it. It was annoying, and not all wallets supported it, and it’s kind of in use now but not ubiquitous.

Fast forward to today: HandCash and Anypay announce P2P transactions at point of sale! That means your transactions will always be:

  1. Instant
  2. Correct
  3. Able to include extra information

What kind of extra information? How about stuff like, “Who bought this? What store was this transaction at? What item was purchased?” Stuff like that.