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\section{Introduction}
\label{sec:intro}
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Cryptocurrency payment adoption by merchants remains limited despite a
\$2.5 trillion total market capitalization~\cite{coinmarket2024}. The
primary barriers are: (i)~exchange rate volatility between payment
initiation and settlement, (ii)~slow confirmation times on Bitcoin and
Ethereum mainnet, (iii)~key management complexity for merchant wallets,
and (iv)~fragmented integration across chains.
Hanzo Commerce has processed merchant transactions since 2015 through
its checkout.js JavaScript SDK---a drop-in payment widget supporting
credit cards, Apple Pay, and Google Pay. The crypto payment extension
adds cryptocurrency acceptance as a first-class payment method within
the same SDK, same dashboard, and same settlement pipeline.
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