What are you thoughts on the reverse option such as www.plutus.it ?
Plutus doesn't need any further equipment other than an app that the user has on his/her mobile device. It simply transfers your BTC or ETH to plutons and then in to fiat currency anywhere in the world by NFC card readers, all instantaneously.

Would this be easier from a customers POV as it requires no merchants to "get on board"?

Overall, great article Hive account@kencode, looking forward to hearing your reply