Tomas Chojnacki
Sound money nerd since discovering mises.org ~20 years ago. Former goldbug, bitcoin-only since 2018. Launched Satsback.com in 2020—a tool that helps people stack free sats while shopping online. Basically a bitcoin faucet with extra steps and profit, Lightning-only payouts from day 1. Recently much more interested in bitcoin as freedom money and merchant adoption than treasury reserve companies. Working on something new re: lightning payments.
Session
2025 was the year of Bitcoin merchant adoption. South Africa took center stage with MoneyBadger enabling Bitcoin payments at 600,000+ locations. Square rolled out 0% fee acceptance to 4 million US merchants. The rails are here.
But even Block's team admits the challenge remains: what incentive do people have to change their behavior? Technology isn't the barrier. Cash App pays Lightning from USD, Blink has Stablesats. But changing behavior at scale is hard.
Payment-linked offers solved this for card networks. Cardlytics sees 1 in 2 US card swipes because monetary incentives drive spend to specific payment methods. We're building the Bitcoin-native equivalent, without the banks, the high costs, the 3-7 day settlement or the surveillance.
This talk introduces wallet-linked offers: using Lightning and NWC to deliver instant satsback at merchants. Our approach to turning merchant acceptance into customer preference, the missing piece for Bitcoin's shift from digital gold to everyday money.