SimonConsulting
Simon Consulting
We help fintechs, small businesses, and Nostr startups navigate the global regulatory maze to build the future of finance. We provide practical compliance architecture, licensing strategy, and risk frameworks to make your Bitcoin rails profitable and legal.
Public Key
npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs Profile Code
nprofile1qqsd9p7qm5vgn28m8mf7sqllcljkwunya7ttnu7lwjve05yqe5s4evqpzemhxue69uhhyetvv9ujuurjd9kkzmpwdejhgqg7waehxw309ahx7um5wghx67tndphhx6r0d3hh5cfwvdhju7npu2tt5s
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Published at
2026-07-12T09:44:16+02:00 Event JSON
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Last Notes npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting European regulators are getting desperate. The EBA recently ruled that crypto service providers (CASPs) facilitating Lightning Network transactions must comply with the intrusive TFR Travel Rule. But legally and technically, they are completely missing the mark on how the tech actually works. 👇 npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Standard card networks and legacy payment processors are quietly draining your business margins. 💳❌ npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting If you think Nostr is just another social network, you’re missing the forest for the trees. It’s an open cryptographic data protocol. On legacy social media, you rent an audience to pitch a product. On Nostr, data and value are natively fused on the same footprint. 🌴👇 npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Building a Nostr storefront shouldn't mean wrestling with clunky server infrastructure. npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Massive congratulations to @nprofile…kne9 for claiming the #1 spot for most Sats received in the 83rd Nostr Weekly Recap! 🥩⚡️ npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Huge congratulations to the team at @nprofile…vmya on securing a massive milestone for compliance engineering! npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting If you're scaling a fintech under MiCAR, your governance arrangements were built for the operating model you had at authorization, not the one you have now. npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting How do we scale Bitcoin for billions of users without astronomical fees or complex network management? In our first Nostr edition of the Compliance Insight newsletter, we dive deep into the game-changing hybrid future of Spark and Lightning Network architectures. npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Building a new app, store, or project on Nostr? The architecture you choose changes everything when it comes to legal rules. npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Think your company doesn't need to care about the EU’s Digital Operational Resilience Act (DORA) or NIS2 just because you operate on a peer-to-peer network? If you provide merchant payment gateways or custodial corporate wallets, you are directly in scope. npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting This TCP/IP abstraction analogy is exactly how Bitcoin finally scales to billions of everyday users. Most people just want their money to move instantly across borders without thinking about the underlying protocol. However, an interesting point to consider here is custody and sovereignty. When the "Bitcoin part" is entirely hidden beneath layers of stablecoins, Grid accounts, and Visa cards, do the end users actually hold their own cryptographic keys, or are we just rebuilding a highly efficient, corporate-managed version of the legacy banking system on top of Bitcoin rails? npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting These regional schemes like SEPA, Pix, and FedNow work beautifully within their own borders, but they remain completely isolated silos. Relying on central banks to seamlessly unify different geopolitical jurisdictions globally is a massive, friction-filled assumption. npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting The European Banking Authority (EBA) has officially clarified a massive question for European fintech and Bitcoin infrastructure regarding the Transfer of Funds Regulation (TFR) and MiCAR guidelines. npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting From a corporate treasury and risk perspective, a up to 3% transaction fee combined with 24-hour settlement delay is simply an outdated operational tax. Open monetary protocols like Lightning eliminate this friction entirely, allowing businesses to recapture margin and settle liquidity instantly. The future of global B2B and retail payments is open-source. npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting We are officially open for business on Nostr, and our payment architecture is fully wired up! ⚡💼 npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting By far the best Bitcoin app in Europe today! npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Thanks for the tag ;) npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Have fun guys! npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Steady progress on the open rails. We’ve officially hit 25 followers on our corporate Nostr profile! 🛠️💼 npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting You guys are doing a fantastic job. Keep it up! npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting It’s been a minute since our last update here, but we’ve been busy building behind the scenes! 🛠️💼 npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Stablecoins have become one of the fastest-growing segments of the crypto ecosystem. npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting We’ve been discussing the Trojan Horse strategy for months, and today it became a reality. Square’s decision to auto-enable Bitcoin Lightning for 4 million merchants is the definitive move toward Bitcoin as a global payment rail. npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting At Simon Consulting, we believe the "heated" debates over Bitcoin protocols often miss the forest for the trees. For a fintech or a merchant, the protocol matters less than the User Experience and Regulatory Feasibility. ⚖️⚡ npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Managed to create the wallet successfully, thanks again for the tip. npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Thanks for the heads up and the suggestion. Was not aware of that. Will try out the Rizful wallet today. npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Online education npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting The Odido breach is a massive wake-up call for Dutch businesses. 🇳🇱📉 npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Read this very interesting article written by our founder and CEO @nprofile…lm3h about the evolution of European payments npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Payments made easy! npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Nice logo ;) npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting @nprofile…qn9x is doing a phenomenal job mapping out the vast Lightning Network Industry. npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Interesting case npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Spot on, @nprofile…ffrf! 🎯 npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting We’ve been analyzing this case study on EU payment processors demanding full names and birth dates for sub-$10 Bitcoin transactions: https://x.com/i/status/2023372115622211739 npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Care to share which projects you have worked on already? npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting At Simon Consulting, we believe the future of professional networking isn't just decentralized—it’s sovereign. For years, businesses have built their reputation on LinkedIn, only to be at the mercy of shifting algorithms and rising advertising costs. npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Great signal indeed, Lee! 🛡️💼 npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Hi @nprofile…2e5q just out of curiosity: what exactly are the flaws of ecash? npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting To the builders and entrepreneurs on the #PlebChain: if you are issuing tokens on the Taproot Assets Protocol pegged to the EUR or USD, you aren't just "writing script"—in the eyes of the EU, you are an issuer of Electronic Money Tokens (EMTs). npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Article will be published later today. npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting It’s Friday the 13th. While the superstitious are avoiding ladders, many Bitcoin entrepreneurs are avoiding something much scarier: Regulatory Reality. ⚖️ npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Agreed. In a world of permissioned 'walled gardens,' the move toward decentralized, protocol-level solutions is the only way to ensure true sovereign commerce. npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Definitely curious about this too. 90 days in, the 'Square Bitcoin' rollout is such a massive test for real-world circularity. npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting This is a massive win for merchant adoption! ⚡️💳 npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Welcome to the #PlebChain! 🤝 npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Growth is often framed as a commercial milestone, but for Bitcoin engineers and entrepreneurs providing payment services in Europe, it's also a structural stress test. npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Moving toward full sovereignty! ⚡️ npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Really impressed with the app. Thanks again for the valuable tip. It has been immediately set up as our connected wallet. npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Thanks. Full disclosure: we have multiple wallets, both custodial and non-custodial, with and without LN addresses, etc.. Haven't tried out Blitz yet. Will have a look at it today. npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Spot on, Calle. The 'walled gardens' are moving fast with permissioned rails because they prioritize convenience over sovereignty. But the race isn't over—it’s just entered a new phase. npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Agreed, Jeff. Shifting from a zero-sum mindset to viewing competition as a 'distributed search algorithm' for value is the hallmark of a mature Bitcoin standard. npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting We are currently witnessing a renaissance in privacy through Chaumian e-cash, with Cashu and Fedimint leading the charge in two distinct ways. While both protocols leverage blind signatures to ensure that a mint can never track your balance or transaction history, they solve the "custody" challenge from different angles. npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting The next frontier of finance is autonomous. We are entering the era of Agentic Payments, where AI agents negotiate, verify, and settle transactions without a human in the loop. npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting The Dutch House of Representatives (Tweede Kamer) has officially postponed the vote on the "Wet werkelijk rendement box 3". npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting And? What is your verdict of the Bitkit wallet after using it for a couple of months? Do you recommend it? npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting The Wet werkelijk rendement box 3 is currently under heavy debate in Dutch Parliament. If passed by the 15 March 2026 deadline, it will pave the way for a new system starting in 2028 that targets actual returns. npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting As of 1 January 2026, the EU’s DAC8 directive officially entered in effect. 🇪🇺⚖️ npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Built-in e-cash wallets are a total game changer for the ecosystem. ⚡️ Reducing friction for micro-transactions and services like CI/CD is exactly how we scale the circular economy on #Nostr. Great to see #SatShoot and #Cashu leading the way! npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Agreed! ☕️ Stop by anytime—would love to connect. See you soon! npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting We’re officially on the map! 📍₿ npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting This is the way. ⚡️ Using custodial solutions like Speed Wallet is a great entry point for businesses to start stacking sats through commerce. npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Spot on. Real utility is the best form of marketing. That’s why we’ve integrated #Bitcoin into our own operations—walking the talk is the only way to build the robust systems you’re describing. ⚡️ npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Interesting discussion. What are your thoughts about neobanks like Deblocks that have started offering bitcoin products and services like (self-custodial) lightning wallets to their existing customer base? npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Interesting. Do their users now have their own lightning wallet? Could you explain a bit more how the Breeze SDK has been integrated into their infrastructure? npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Great article. Bitcoin is indeed more than just a store of value. If we want it to succeed we need to actually start using it as a medium of exchange. npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Authorization isn’t the finish line—it’s the starting gun. 🏁 npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Europe’s AML framework is hitting a breaking point. 🇪🇺 npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Hello #Nostr! ⚡️ npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Interesting read! npub162ruphgc3x50k0knaqpll3l9vaexfmukh8ea7ayejlggpnfptjcqaugwrs SimonConsulting Can someone please send a small zap to test my wallet to try it out? #plebchain
