You could try BTCPay Server.

Better late than never!

We’re glad you like it! Thanks for using Cake Wallet!

We will probably incorporate Serai first, then revisit atomic swaps.

We think so too! Thanks for using Cake Wallet!

It’ll take a good amount of work, but yes, great idea.

Sadly, you can only guarantee that fees will stay at the same amount (or drop in your example) if we assume infinite scaling. Suppose 10 TB of transaction data shows up and wants to be mined into the next block. Fees only stay at the same value if you widen the block size to 10 TB. If you didn’t, then some people would be willing to pay more than others to get into the next block.

Technology will keep improving, but I don’t think Monero scaling should allow a long-term increase that’s on the optimistic side of these projections.

Bitcoin clearly still works and has demand despite the limited block size, so Monero should grow more conservatively than it currently does after it permits as many transactions per hour as Bitcoin.

I see the dynamic size as a downward pressure against high fees. I don’t see high fees at peak times as a failure, like some people see them.

The forthcoming Serai DEX is the best, risk-mitigated approach at this to date.

It’s not risk-free, but the native XMR is held in multisig wallets, and multisig wallet holders need to bond assets to qualify.