When setting up crypto payments, a business owner is asked to choose between automatic conversion to dollars at checkout and holding the crypto in an account balance. Which option is the right starting point for most small businesses?

Automatic conversion means the business receives the agreed dollar amount in its account at settlement, regardless of what happens to the crypto price after the customer pays. For a small business starting out, this removes a variable from their finances and keeps bookkeeping simple. Holding crypto introduces price exposure and more complex record-keeping. That can be explored later, but it is not the right starting point for a business new to crypto payments.