Spiral, Jack Dorsey's bitcoin-focused firm, published a report arguing bitcoin payment adoption lags despite major technical progress, and is soliciting public "moonshot" ideas to change that within five years. It cites urgency: Stripe, Shopify and Coinbase are building in stablecoins; Stripe, Visa, American Express and Google joined a consortium launching OUSD; and AI-agent payment tools settle almost entirely in stablecoins. Over a million US merchants can accept bitcoin via Square, yet everyday usage remains low. Proposed paths include shared Lightning rails, self-custodial payments for capital-control users, and new micropayment experiences.

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