Crypto it's fine for payment method
Unfortunately not many people use crypto, although I don't know why, I think a lot of people imagine that it's very complicated and dangerous.
Step 1 open a basic coinbase account
Step 2 put some money in it, if you need to send someone £50, put a bit extra in, say £60.
Step 3 send the £50 to the recipient
Step 4 play with the remaining £10.
With some manoeuvring you could possibly have your £60 back in a few weeks.
It's not much different to changing your pounds to euros when going on holidays, except you can swap and change it between hundreds of crypto currencies at any time.
I sometimes swap everything from one coin to another three times in one day.
I'm only playing with small amounts up to now but may go into it on a larger scale depending on how this venture goes