A business owner is worried about accepting Bitcoin because the price dropped significantly during 2025. Which of the following best explains why price volatility is not the main risk it appears to be for most merchants?

The key is timing. When a customer pays, the rate is locked. The processor settles in dollars, usually within the same business day. What Bitcoin does after that transaction closes has no effect on what the merchant receives. This is why around 61% of merchants who accept crypto convert immediately, not because they have to, but because it removes the risk entirely and makes accounting straightforward.