If bitcoin gets mass adopted, must we use our mobiles to buy?

[Don Pedro Dinero]

Reading this thread a question comes up to my mind.

If in the future, you can pay with bitcoin almost everywhere, how are you going to pay? The safest way to store your coins is to use a hardware or paper wallet (properly created). But in order to pay for a coffee at the coffee shop you can’t use it, unless you carry your laptop or tablet everywhere.

Using your mobile isn’t safe. At least as safe as using hardware or paper wallets. So, how do you think it will be done? Transferring just small amounts to your mobile? Maybe hardware wallets will have a mobile version?

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[mdayonliner]

Transferring just small amounts to your mobile?

This is what works for me. I have blockchain app installed in my phone. My cold wallet is Ledger neno S. Depending on my expenses, I transfer my BTC from my cold wallet to my blockchain app.

It's like how we do for the fiat money. The concept is, I have money in my bank. When I need money - I take off some money and carry it with me in my wallet.

[kaar]

Transferring just small amounts to your mobile?

This is what works for me. I have blockchain app installed in my phone. My cold wallet is Ledger neno S. Depending on my expenses, I transfer my BTC from my cold wallet to my blockchain app.

It's like how we do for the fiat money. The concept is, I have money in my bank. When I need money - I take off some money and carry it with me in my wallet.

Exactly. People forget how it was with fiat before the internet - even if you had a credit card, there was no way to verify you actually had money in your bank account, thus cash was much more popular than today. You simply took enough cash to buy what you needed, but no too much in case you get robbed or lose your wallet.

Today though, there is internet, so there will probably be companies that offer services similar to those offered today by CC companies. For example, using a third party to pay for your everyday purchases (they will transfer the BTC to the store) and paying them back at the end of the month.

[anullcoin]

are not hardware wallets safe enought to be connected directly to the merchant pc? lol

[kaar]

are not hardware wallets safe enought to be connected directly to the merchant pc? lol

Define 'safe enough'. If you have 10 million dollars in your wallet, you probably wouldn't want to carry it with you wherever you go, even if you consider all it's security measures.

[mdayonliner]

Exactly. People forget how it was with fiat before the internet...

With information overloaded all-over the internet and being an advanced user sometimes we forget the basic  I consider it completely normal for us.

If you have 10 million dollars in your wallet...

I would not even feel comfortable to declare my BTC address in public LOL

[vladimirhf]

Reading this thread a question comes up to my mind.

If in the future, you can pay with bitcoin almost everywhere, how are you going to pay? The safest way to store your coins is to use a hardware or paper wallet (properly created). But in order to pay for a coffee at the coffee shop you can’t use it, unless you carry your laptop or tablet everywhere.

Using your mobile isn’t safe. At least as safe as using hardware or paper wallets. So, how do you think it will be done? Transferring just small amounts to your mobile? Maybe hardware wallets will have a mobile version?

I think the best solutions will be hardware wallets for mobile like this xeeda.io or terminals like this kinekt.technology

but anyway you can't pay a coffee with btc, I'd spend some doge or stellar instead, due to fees 

[ranman09]

For me, this is the best solution. You will need to still secure your address. So just like what we do every day, you get a certain amount of money from your bank account for your everyday usage.

But people will need to be aware that they will need to change their wallet often atleast may be at every transfer from your large account. Bitcoin is a public ledger. You don't want any people tracking your wallets and its funds right?

Transferring just small amounts to your mobile?

This is what works for me. I have blockchain app installed in my phone. My cold wallet is Ledger neno S. Depending on my expenses, I transfer my BTC from my cold wallet to my blockchain app.

It's like how we do for the fiat money. The concept is, I have money in my bank. When I need money - I take off some money and carry it with me in my wallet.

[anullcoin]

but anyway you can't pay a coffee with btc, I'd spend some doge or stellar instead, due to fees 

LN is your friend try the eclair wallet, it is very nice
doge have no developers, last update was 3 or 4 years ago.. you should not use doge.

If you have 10 million dollars in your wallet...

I would not even feel comfortable to declare my BTC address in public LOL

LN is your friend too
however, if you care about privacy, you should not keep 10million dollars in a single address.

[nc50lc]

-snip-

The idea of spending Bitcoins for a coffee everywhere is too far fetched in this Country-divided world.
Even LN isn't designed to conveniently use in those scenarios.
In order to come up to that point, Bitcoin should be legally accepted by almost all Governments using any centralized payment processors that they "trust", and it's not in favor of the majority.

However, based on the current events, Bitcoin is going strong as a Decentralized currency that can be used to trade not-so-small goods unlike pancakes and coffees.Also, this doesn't look like a Technical Discussion.

[bitbunnny]

Mobile phones are geting prevaled computers and laptops because they are more convenient and you can carry them with you everywhere and on the other hand they are like small computers so you can have actualy your whole life on it.
So, yes, I think that payments with mobile phones are the future even when we talk about Bitcoin and other cryptocurrencies.
There are realy good mobile wallets like Mycelium with good safety features. With high usage and mibikutyobility demands they will get more developed and more safe so I don't see that as a problem.

[LeGaulois]

There are 2 hardware wallets for mobile only. You can also think about payment cards with Bitcoin. I am talking about a pure card that can be used with Bitcoin only. Not like the cards, we have where you send bitcoins to their wallet and then it gets converted to fiat.  (like advcash,etc)
@bitbunnny Isn't Mycelium outdated, I thought nobody used it anymore.

[dafunkizdiz]

Wallet goes in your pocket. Bitcoin wallet must be mobile.

You will never feel safe with 10 million dollar in your pocket (even if it is). Too much responsibility. Hardware wallets are here to stay. For a long f**king time.

[CashMercenary]

There are some mobile wallet app where you can store your bitcoin and transfer it instantly. You can also use an online wallet right? If BTC will be adopted massively and will be used to pay something in real world, there are still some apps or a platform that will offer that service. It is not something to be problematic since all we need is an internet to transfer those BTC.

[Cryptoville247]

The mobile phone might not be that safe like the offline or paper wallets, but it will still likely be the means of payment due to easy accessibility.

[gentlemand]

My phone is now two OS's behind and hasn't had a proper update in several years, yet you can still buy new examples.

That doesn't make me feel too sexy about it becoming my number one expenditure device.

Plugging a hardware wallet in every time I want to spend is painfully unwieldy. Ideally phones will come out with some type of integrated secure element in them. Dunno how or whether it can work but they're not secure enough as is if you're going to run your whole life out of one.

[earnestoshodi]

You keep some quantity for frequent transaction in your mobile wallet,while the others in hardwallet

[MikeZillo]

I guess mobile physical wallet will be created and they will contain the most part of cryptos that will be mainly adopted.
I see it like contemporary debit cards that are able to pay also in fiat different from the loaded one, taking some fees for the exchange.

I imagine it, with a sort of QR code, and a private code to increase security

[audaciousbeing]

Reading this thread a question comes up to my mind.

If in the future, you can pay with bitcoin almost everywhere, how are you going to pay? The safest way to store your coins is to use a hardware or paper wallet (properly created). But in order to pay for a coffee at the coffee shop you can’t use it, unless you carry your laptop or tablet everywhere.

Using your mobile isn’t safe. At least as safe as using hardware or paper wallets. So, how do you think it will be done? Transferring just small amounts to your mobile? Maybe hardware wallets will have a mobile version?

Eventually, if bitcoin is going to get massive adoption, we have to use our mobile to transact because you don't expect people to have to go every where with their computer or with their hardware wallets just because they want to pay for burger or coffee. Yes the phones are not secure but in the spirit of that, a lot of us still have our mobile wallets on our phones even bank apps are all on our phones to make transaction faster. The security concern for me would be in two folds

1. The software vulnerability which the mobile software developers are trying to curb with trust worthy developers, Google overseeing, regular anti-virus updates etc, I think that area would be covered to a large extent.

2. The other security is the physical one where in the case of burglary, armed robbery and being forced to transfer from mobile wallets at gun point or in the face of aggravated assault. This is a great concern that might inhibit that but with adequate security with government living up to its responsibility and personal security consciousness, I think that area is also pretty covered.

[suzanne5223]

Reading this thread a question comes up to my mind.

If in the future, you can pay with bitcoin almost everywhere, how are you going to pay? The safest way to store your coins is to use a hardware or paper wallet (properly created). But in order to pay for a coffee at the coffee shop you can’t use it, unless you carry your laptop or tablet everywhere.

Using your mobile isn’t safe. At least as safe as using hardware or paper wallets. So, how do you think it will be done? Transferring just small amounts to your mobile? Maybe hardware wallets will have a mobile version?

Hardware and paper wallet are the safest way to store coins but they are not ever safe as well. However, if bitcoin get mass adopted it won't be easy and safe to payment for a cup of coffee at the coffee shop using the mobile but with the help of crypto currency credit card and authy or Google authentication can be use for safe transaction.

[fredo123]

Reading this thread a question comes up to my mind.

If in the future, you can pay with bitcoin almost everywhere, how are you going to pay? The safest way to store your coins is to use a hardware or paper wallet (properly created). But in order to pay for a coffee at the coffee shop you can’t use it, unless you carry your laptop or tablet everywhere.

Using your mobile isn’t safe. At least as safe as using hardware or paper wallets. So, how do you think it will be done? Transferring just small amounts to your mobile? Maybe hardware wallets will have a mobile version?

I guess, there will be new sprouting methods to transact btc, Perhaps there will be a new app also to support the new digital assets. I know that innovations are gradually changing depends on the mass trends. Mobiles are good enough but when it comes to security, of storing huge amounts, much safer to use hardware wallets as of now,

[goaldigger]

The most efficient and effective way to transact is by using mobile phones. People have it in hands even on the bathroom so it would be more convinient than laptop. Dont need to bother because if people wants to steal something from you,even you have that physical wallet or e wallet, its not safe.

[centive]

Not always, there are mobile wallets, desktop wallets and also cold storage hardware wallets as well. Boy there were paper wallets before as well. So you can pretty much proceed it from various places, but the point is how safe and secure these origins are. One thing for sure never keep your entire holdings on exchanges, you will pretty much regret it.

[seoincorporation]

<...>

Probably, cell phones are going to be used as credit cars everywhere if crypto becomes mainstream. When I give it a thought I always picture myself feeling like an old man. I mean: probably our parents couldn't imagine that everyone would be willing to share all their personal data in a public "mural", as now the people do every day on Facebook, Instagram and such. Probably, they thought about that as something truly dangerous, for anyone can assume your identity and steal your information; probably they would think about it as impossible.
When the firsts platforms of buying/selling appeared, I remember my family saying to me that I was crazy for buying stuff on the internet (my mother still things this way).
So, I'm afraid that now we are in that position: we think about the use of cell phones as a mainstream way of using crypto as something crazy, for it is easy to see how insecure it is, but, in a world where everybody is sharing even their more personal information, every picture of the daily life, every name of their relatives and friends... well, man. Maybe we are the "oldies" in here, for, yet, the most probable use of the cryptos, if becoming mainstream, will be through the cell phone, and probably we will avoid that as many of us avoid facebook.

[BerneirBTC]

Reading this thread a question comes up to my mind.

If in the future, you can pay with bitcoin almost everywhere, how are you going to pay? The safest way to store your coins is to use a hardware or paper wallet (properly created). But in order to pay for a coffee at the coffee shop you can’t use it, unless you carry your laptop or tablet everywhere.

Using your mobile isn’t safe. At least as safe as using hardware or paper wallets. So, how do you think it will be done? Transferring just small amounts to your mobile? Maybe hardware wallets will have a mobile version?

Well maybe in future people use bitcoin to pay bills but not for small amounts like coffee, tea or drinks.It might be possible that in future bitcoin only use for big amounts like buying house, Car, sending big amount of money etc.

[Oasisman]

As far as the security of funds inside the mobile phone is concerned, the easiest option would be (for not so tech-savy people) putting just enough amount you planned to spend for the day in your mobile phone wallet from your hardware wallet. Its like withdrawing funds from your bank and put it inside your wallet.
Certain security steps could be done, as we are responsible for our own safety.

[Marveill]

I guess mobile physical wallet will be created and they will contain the most part of cryptos that will be mainly adopted.
I see it like contemporary debit cards that are able to pay also in fiat different from the loaded one, taking some fees for the exchange.

I imagine it, with a sort of QR code, and a private code to increase security

Small amount can cost some extra charges you're giving 5$ for just one cup of tea.Anyways its hard to bring your laptop to restaurant or just for the sake of Tea or coffee.You can use your mobile app too.

[Yurkov]

Reading this thread a question comes up to my mind.

If in the future, you can pay with bitcoin almost everywhere, how are you going to pay? The safest way to store your coins is to use a hardware or paper wallet (properly created). But in order to pay for a coffee at the coffee shop you can’t use it, unless you carry your laptop or tablet everywhere.

Using your mobile isn’t safe. At least as safe as using hardware or paper wallets. So, how do you think it will be done? Transferring just small amounts to your mobile? Maybe hardware wallets will have a mobile version?

for me this is the same like when we are "using our money" with our mobiles with banks app, for me it works in some way the same so we don't need to be that worried about those changes which are focuse on our phones.

[samtasse1488]

I have not watched or read the news any more. It was said that the refugee of other countries (like in Germany there was a reportage), there refugees in the cafe used bitcoin wallets. The government gave them money and they bought something to buy coffee or food, they just went to the cash register and the person's face or eyes were read using a special camera. He just looked at the camera and she removed from his account a certain amount for the purchase.
So we will rather use the same in the future when taking in many countries a crypto currency. Just just looking at the camera at the checkout.

[Marlo Stanfield]

It's going to be much more safe for people to use a small USB key type sized wallet that's not connected to any network. They can use this to sign transactions, and not have them lose any money to hacks or exploits.

[veleten]

why MUST? you can use any device you like
personally,I don't trust enough mobile devices to store anything of value,wallets included (unless it is some spare change)
with mass adoption there might be specialized devices sold,including plastic cryptocards or mobile deviced designed to store/exchange/sell cryptocurrencies
it sounds like a sci-fi fiction at the moment,but lets wait several years and see

[Rath_]

why MUST? you can use any device you like

You can use any device, of course. Good luck with copying out the address while standing in front of cashier. In my opinion, QR codes are the best choice for now.

with mass adoption there might be specialized devices sold,including plastic cryptocards or mobile deviced designed to store/exchange/sell cryptocurrencies

Actually, there are services which allow you to top up your payment card with bitcoins which are automatically exchanged to any fiat while paying. I don't see any point in using a mere piece of plastic when we can simply scan a QR code or make use of NFC which becomes more and more popular in modern smartphones.

[Crypto_Sassy]

Reading this thread a question comes up to my mind.

If in the future, you can pay with bitcoin almost everywhere, how are you going to pay? The safest way to store your coins is to use a hardware or paper wallet (properly created). But in order to pay for a coffee at the coffee shop you can’t use it, unless you carry your laptop or tablet everywhere.

Using your mobile isn’t safe. At least as safe as using hardware or paper wallets. So, how do you think it will be done? Transferring just small amounts to your mobile? Maybe hardware wallets will have a mobile version?

I think this is practically not going to happen in near future, at least not before the lightning network become fully functional for masses.
How can 7 tps will survive the mass adoption? Anyway nobody is going to pay for cup of coffee in bitcoin if 1 confirmation take 10 minutes.

Apart from mobile phone apps, I guess some kind of Credit Cards by reputable bank also may come into picture iff for instant transactions


iff => If and only If Bitcoin is mass adopted for daily purchases.

[bob123]

How can 7 tps will survive the mass adoption?

It won't. Thats the reason the lightning network is in development. The LN will scale to 10k+ transactions per second.

Anyway nobody is going to pay for cup of coffee in bitcoin if 1 confirmation take 10 minutes.

You don't need to.
It is safe to accept 0-conf payments for low value payments (e.g. a coffee), especially if you are buying it physically (not via internet).

And in future you also won't have to since the lightning network will allow instant payments.
I guess you have a few seconds to wait, from payment until you coffee is actually done? Because in this timeframe you can do multiple payments back and forth, all confirmed.

Apart from mobile phone apps, I guess some kind of Credit Cards by reputable bank also may come into picture iff for instant transactions
iff => If and only If Bitcoin is mass adopted for daily purchases.

Using Credit cards (issued by a bank) would destroy the whole purpose.
If you insist on using a plastic card + trusting the screen of the vendor, get ready to buy a physical 'hardware wallet' in CC format with NFC.
Same mechanism, just without trusting a bank which will again take fees from the vendor..

[Crypto_Sassy]

How can 7 tps will survive the mass adoption?

It won't. Thats the reason the lightning network is in development. The LN will scale to 10k+ transactions per second.

Anyway nobody is going to pay for cup of coffee in bitcoin if 1 confirmation take 10 minutes.

You don't need to.
It is safe to accept 0-conf payments for low value payments (e.g. a coffee), especially if you are buying it physically (not via internet).

And in future you also won't have to since the lightning network will allow instant payments.
I guess you have a few seconds to wait, from payment until you coffee is actually done? Because in this timeframe you can do multiple payments back and forth, all confirmed.

Apart from mobile phone apps, I guess some kind of Credit Cards by reputable bank also may come into picture iff for instant transactions
iff => If and only If Bitcoin is mass adopted for daily purchases.

Using Credit cards (issued by a bank) would destroy the whole purpose.
If you insist on using a plastic card + trusting the screen of the vendor, get ready to buy a physical 'hardware wallet' in CC format with NFC.
Same mechanism, just without trusting a bank which will again take fees from the vendor..

Before answering me you totally ignored my below first line of comment.
"I think this is practically not going to happen in near future, at least not before the lightning network become fully functional for masses."
I am not following LN now but I think they are nowhere near to their mainnet release.

Only future will tell how this CC concept will go , but if in 1990 that you tell some body that if you pay with CC, you will get time of (max 51 days to 30 days) to pay full and in top of it you will 2-5 % cashback then guy will totally think you as insane or scammer at that time,

Who knows, if you give me 1% cashback in bitcoin and fraud protection then why should I bother to keep my mobile and hardware wallet.
(This will defeat the purpose of peer to peer currency but things changes with time)

[jiaybh]

Now that there are a lot of mobile wallets, Kcash supports bitcoin mobile payment. This technology will be smarter and more advanced.

[Stedsm]

I believe there are many wallets allowing Bitcoin transactions to be done through mobiles by providing Android and iOS wallets for your smartphones, including but not limited to Electrum, Greenwallet, etc. But, there is one big disadvantage to such a great convenience here: Possible hacks.
As almost the whole world is now aware of Bitcoins, they know that people are literally using such a technology in their mobile through these wallets and if these devices get stolen, hacks would be like a piece of cake for those thieves who will enjoy the victim's bitcoins. I really don't think anything is secure enough to tackle such situations, but it is better to have 2FA as well as very strong passwords enabled on our wallets, at least in order to gain some time to get their coins shifted to some other place by using their private keys.

[ranman09]

The traditional way is still the best and I think is the safest. I have BTCs on my Ledger Nano S and I only transfer some on my preferred online wallet that has a mobile app.

Sort of like using the mobile wallet app as a coin purse or a simple wallet that holds funds enough for the day. That I will not be that sad when I lost it.

[Ridwan Fauzi]

The most efficient and effective way to transact is by using mobile phones. People have it in hands even on the bathroom so it would be more convinient than laptop. Dont need to bother because if people wants to steal something from you,even you have that physical wallet or e wallet, its not safe.

Yep, everyone will definitely have a smartphone and he will keep carrying it anywhere. Unlike a laptop, sometimes someone will be reluctant to take it. But in addition, I want payment using cryptocurrency not merely bubbly with an internet connection, in the future I hope there will be a new innovation payment system using cryptocurrency system with offline.

[hulla]

I believe there are many wallets allowing Bitcoin transactions to be done through mobiles by providing Android and iOS wallets for your smartphones, including but not limited to Electrum, Greenwallet, etc. But, there is one big disadvantage to such a great convenience here: Possible hacks.
As almost the whole world is now aware of Bitcoins, they know that people are literally using such a technology in their mobile through these wallets and if these devices get stolen, hacks would be like a piece of cake for those thieves who will enjoy the victim's bitcoins. I really don't think anything is secure enough to tackle such situations, but it is better to have 2FA as well as very strong passwords enabled on our wallets, at least in order to gain some time to get their coins shifted to some other place by using their private keys.

Alot of wallet provider does allowed transaction to be through phones which was also the thing the OP already point out as no safe method if Bitcoin get mass adoption or mainstream. But I believe issuing a cryptocurrency credit or debit card will be best and safe way during such time.

[Initscri]

Leveraging both cold storage and a hot wallet as I do now.

A large majority of my funds are in cold storage, with a small percentage being in a hot wallet, for daily use.
It's the same risk you take with keeping fiat cash in your wallet w/ the risk of it being stolen.

[fattycoins]

it could be really wonderful if we could come up with a solution .In a time when credit cards were not common people were skeptical about it .I think if we are careful and can secure our ether wallet this could be made possible

[Ridwan Fauzi]

why MUST? you can use any device you like

You can use any device, of course. Good luck with copying out the address while standing in front of cashier. In my opinion, QR codes are the best choice for now.

QR codes is the best safe for now I agree with that, compared to sending cryptocurrency which is used as payment system using wallet will have a slow process.

with mass adoption there might be specialized devices sold,including plastic cryptocards or mobile deviced designed to store/exchange/sell cryptocurrencies

Actually, there are services which allow you to top up your payment card with bitcoins which are automatically exchanged to any fiat while paying. I don't see any point in using a mere piece of plastic when we can simply scan a QR code or make use of NFC which becomes more and more popular in modern smartphones.

With QR code only takes a few seconds, when we scan the barcode to the payment system then automatically cryptocurrency will be sent well, no need to think we send to the wrong wallet address.

[mfyilmaz]

The most absurd thing about bitcoin haters is that they are somehow saying "its not 100% safe" but to be honest its a lot safer and more secure than any other system we have including credit cards and stuff... you just have to know how to use it properly and as somebody already said just use 2 wallets one cold storage for your funds and one hot wallet for your daily dispenses... thats the best way to go I guess...

[Fedorof]

Now the processing of payment systems related to the fingerprint is underway, I think in the future, taking into account the progress, it will be possible to pay both mobile and even for hours that would not be bad at all) The main thing is that it would be safe)

[Rambukwelle]

I think introduction  hardware wallets designed for mobiles is a matter of time. When bitcoin reach mass adoption mobile companies will definitely go for such modifications to win the market over the competition. E-Cards are another great solution for this which we can already see.

[just_Alice]

Some companies are considering releasing new smartphones with built-in hardware wallets, or, there are apps which you can install on your phone to store some cryptos there. Like this, for instance: https://www.coindesk.com/huawei-to-offer-first-crypto-wallet-app-in-latest-smartphones/
Using blockchain wallet app isn't safe, but you can transfer only your daily expenditures, so in case of stealing, or forgetting some important information you won't be losing that much. Maybe there will be something like TREZOR for smartphones.

[tulezua]

Some companies are considering releasing new smartphones with built-in hardware wallets, or, there are apps which you can install on your phone to store some cryptos there. Like this, for instance: https://www.coindesk.com/huawei-to-offer-first-crypto-wallet-app-in-latest-smartphones/
Using blockchain wallet app isn't safe, but you can transfer only your daily expenditures, so in case of stealing, or forgetting some important information you won't be losing that much. Maybe there will be something like TREZOR for smartphones.

This is an interesting topic, as we pay Bitcoin over my phone as an ATM card scanner for example. Will lead the trend when inventors of this type of business.

[veleten]

Some companies are considering releasing new smartphones with built-in hardware wallets, or, there are apps which you can install on your phone to store some cryptos there. Like this, for instance: https://www.coindesk.com/huawei-to-offer-first-crypto-wallet-app-in-latest-smartphones/
Using blockchain wallet app isn't safe, but you can transfer only your daily expenditures, so in case of stealing, or forgetting some important information you won't be losing that much. Maybe there will be something like TREZOR for smartphones.

This is an interesting topic, as we pay Bitcoin over my phone as an ATM card scanner for example. Will lead the trend when inventors of this type of business.

paying for something with a scanner on your phone is old news
here we are talking about specialized devices,created specifically to manage cryptos
they should have at minimum two intrinsic qualities:
1.be secure,not something that can be easily broken into or hacked
2.be specializing on cryptos only,without any(or many) other functions
so far,phones are dominating the market,since one of the human main needs is communication,well and entertainment
code scanners,wallets etc. come as an addition to the main functions of the phone or a device

[Harz58]

I believe that through mass adoption lots of people will make use of their smartphones to transact Bitcoins. Moreover,there is an article I read that explains that using smartphones for crypto transactions is safer than using pc. The idea of mass adoption is for lots of people if not almost everyone to make use of Bitcoin in their transactional activities. So there is every probability that smartphones will be the primary tool for dealing Bitcoins. Some companies are even considering building in-app crypto wallets on their smartphones.

[Don Pedro Dinero]

I'm locking this thread because I think there is no much to add to the discussion, and I’m my opinion, the most useful answer was the second post on the thread:

This is what works for me. I have blockchain app installed in my phone. My cold wallet is Ledger neno S. Depending on my expenses, I transfer my BTC from my cold wallet to my blockchain app.

It's like how we do for the fiat money. The concept is, I have money in my bank. When I need money - I take off some money and carry it with me in my wallet.