Uninformed people like to say there is no way to spend cryptocurrency. With Alchemy Pay, you can spend crypto at millions of locations online and IRL. Designed for merchants, ACH is trying to make spending crypto as easy as using a bank card. To accomplish this, they offer a hardware point-of-sale system and partner with several online retailers to make spending any kind of money as easy as possible. While the payment network accepts many different kinds of crypto and fiat, they use the ACH coin to reward those who choose to pay with the ACH token. Likewise, new merchants must buy ACH to use the system. This collateral is used to make sure that transactions can be settled instantly. If buy an ice cream cone with crypto, you don’t want to wait for the next block of ETH to validate while your ice cream melts.