Merchants reluctant to accept Dash because of volatility. But I have an idea to reduce the volatility by providing a mechanism to let Exchanges feel more confident to accept InstantSend.

Currently, Exchanges don’t accept InstantSend transactions. Instead, they wait to have few confirmations. This could reduce value of InstantSend. Merchant accepts Dash cannot convert to fiat right away, and few minutes wait can increase volatility. To assure Exchanges to accept InstantSend, we can provide insurance service for InstantSend transactions to them. 

Our software agent run on masternodes to monitor InstantSend transactions that come to certain addresses of the Exchanges who buy insurance. If any InstantSend transactions that don’t have confirmation or InstantSend fails, we pay to the Exchanges for the lost. 

To have fund to pay for InstantSend failed transactions, we collect insurance fee.With the insurance, Exchanges will have more confidence to accept InstantSend. And when we have some Exchanges accept InstantSend, merchants can quickly convert value to fiat to avoid volatility. And it also helps Dash to be the champion of remittance.