Anonymous cash for Bitcoin Lightning at nearly all Polish ATMs.
And thatโs not allโyou can pay with Bitcoin Lightning literally everywhere in Poland!
No KYC, no registration, via the Nostr provider.
I love it when I come across new technology that gives (European) bureaucrats the middle finger, especially in a situation where they want to spy on and regulate you across the board.
Most recently, I was this excited about a non-KYC project for exchanging stablecoins for fiat via
peer.xyz/, which bypasses the dystopian centralized exchanges that have to do massive reporting due to EU regulations like DAC-8 and MiCA.
In the case of BITBLIK, just like with
peer.xyz, youโre doing decentralized P2P trading, so I assume no regulation applies to you (it doesnโt go through any intermediary).
Today I came across a great Polish app called BITBLIK
bitblik.app/, which connects the widely available BLIK system in Poland with Bitcoin Lightning.
With Bitcoin Lightning, you can pay anonymously anywhere in Poland, withdraw cash anonymously from an ATM (which I just did!), or make online payments on Polish websites.
BLIK is widely accepted (itโs supported by a network of over 13,000 ATMs across Poland and hundreds of thousands of merchants; according to AI, there are 87,000 of them).
Install the
bitblik.app/ app, launch itโno registration required, no KYCโenter an offer for how much you want to pay in PLN or how much you want to withdraw from an ATM.
Youโll make a Bitcoin Lightning payment, which will be locked.
Wait a minute or two until someone accepts your offer (the other party who has BLIK and wants Bitcoin Lightning).
As soon as they do, a BLIK code will appear.
Itโs valid for about two minutes, so enter it at an ATM or at a terminal in a store or restaurant.
After a successful payment, you confirm that you used the BLIK code, and the Lightning payment is credited to the recipient.
Limits for BLIK payments vary by Polish ATM. ING Bank ลlฤ
ski has the highest limit: 10,000 PLN per day (2,356 EUR), while mBank has a limit of 5,000 PLN per day (1,178 EUR). PKO BP allows BLIK transactions up to 1,500 PLN, but you can make up to 20,000 PLN (4,722 EUR) worth of transactions per day.
And of course, those limits apply to the merchant. When various merchants accept your Lightning payments, you effectively have no limitsโyouโre only limited by the counterpartyโs liquidity.
BLIK is 100% open-source, so it canโt be banned!
You can fork it and use it within your own closed community.