Bisq?

What happened the other way if XHV went up in value? You’d only get 5 back? Interesting idea.

Exactly. I don’t mind holding USDT for a few days if I’m waiting to do a trade, but definitely wouldn’t hold it longterm. Too much of a risk of a black swan event in my opinion.

Monero hasn’t fluctuated too much in the past few years. Seems to be staying around $150ish.

You can try to mitigate the downside risk by moving to a stablecoin (like USDT, USDC, DAI, etc.), however that means you also don’t have exposure to the upside gain if the price goes up.

Also, stablecoins have their own set of risks. Unlike Monero, more stablecoins can be created out of thin air. If something crazy happens (like we learn that stablecoin creators don’t have the reserves that they claim that they do), stablecoins can drop in price as well.

Ultimately, you probably want to hold the value in whatever you think is the most trustworthy. If you trust stablecoins (and aren’t concerned about black swan events), that’s not a bad place. You could also keep it in Bitcoin, seeing as it has the largest marketcap (and more can’t be minted out of thin air), but this can still have price fluctuations. Personally, I’m not too concerned about Monero’s price dropping so I’m happy keeping it in Monero.

If it’s a large amount of money, you could even consider splitting it into thirds and putting 1/3rd in each. That way your risk is even more distributed. I wouldn’t mess with this though unless the amount of money is over at least a few thousand dollars.

Thanks for all the suggestions you put on it on Github. I plan to implement all of them, but I want to figure out the name before adding the versioning system, and all the other changes. Since it’s for more than just subscriptions, and will be (I think) the easiest way to accept payments as a merchant, I don’t want it to have a confusing name.

“Monero Payment Request” is pretty good. That sounds pretty different from a wallet address and could include subscriptions and one-time payments.