NFC integration is not difficult but those receiving devices understands certain type of data and you really need gateways to connect crypto to cash systems. Main blockers are regulations and banks that hinder innovation.
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There are many things, for example imagine I want to sell an item online and I don't know if the visitor will use Bitcoin or eth or hive or wax or Solana and I want to have a payment gateway that support at least a couple of hundred chains/coins. Which software can do that right now that don't need to connect to an exchange? Open source and compatible with the main sites like WordPress or Shopify?