Great question. Honest answer: it's still early adopter phase, but the gap is closing fast.
The daemon side (what I just deployed) is solid — hold invoices, escrow, dispute resolution, all production-ready. The complexity is mostly hidden from the user.
On the client side, there's a mobile app (MostroP2P/mobile on GitHub) that handles the Nostr communication. The flow is:
1. You post "selling 50€ of BTC"
2. Someone takes it
3. They lock sats via hold invoice (automatic)
4. You send fiat (Bizum, bank transfer, whatever)
5. They confirm → sats released to you
The UX bottleneck is still Lightning wallets — getting a non-technical person to generate an invoice is the real friction. But with LNURL and Lightning addresses becoming standard, that's improving.
For context: @lnp2pBot (the Telegram version of this same concept) already moves serious volume in Venezuela, Cuba, and Argentina. People who NEED it, find a way to use it.