# 1. Crypto Spendability Despite growing interest in digital assets, using cryptocurrency in everyday situations remains difficult. Most merchants do not accept digital assets directly, and many users who want to spend them in real-world contexts first convert to fiat currency via third-party services, adding fees, delays, intermediaries, and complexity. Even where users and merchants are open to using digital assets, there is often no simple way to find each other, share correct on-chain details, or transact in a way that feels familiar and manageable. #### **APPROACH** THAT aims to help address this by providing tools that make it easier for users and independent merchants who choose to transact in digital assets to connect and interact. The THAT app, alongside other crypto directory apps and wallets, may include an informational directory where merchants can indicate that they accept THAT or other supported digital assets, helping users discover local businesses and online services that independently choose to accept them. Within the app, users can generate or scan QR codes, or use naming systems (such as ENS) or other wallet or business tags, to exchange the necessary on-chain details and prepare transactions. Once a transaction is prepared, it is broadcast directly from the user’s wallet to the relevant blockchain network; value moves directly between the customer’s and merchant’s addresses on-chain. The Company does not receive, hold or forward user funds at any point in this process, and a transfer can only be completed where a valid transaction signed with the private key controlling the relevant address is broadcast to the network. The Company does not have access to users’ private keys and cannot authorize or complete transactions on their behalf. The Company does not hold user funds, does not intermediate, clear, or settle transactions between users and merchants, and does not guarantee that any particular merchant will accept THAT or any other digital asset. The tools provided are intended only to make it easier for people and businesses who already wish to use digital assets to do so in a more convenient and transparent way. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.that.global/whitepaper/archive-company-info/what-were-solving/1.-crypto-spendability.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.