Coljac Café in Farmington, Missouri, has become an unlikely Bitcoin hub, with more than 40 nearby merchants now accepting the cryptocurrency, according to the café. Owner Jessica Goff first wired up Bitcoin and Lightning payments through Coinos.io, then moved the register to Square. Square, meanwhile, has crossed 1 million vendors accepting Bitcoin.
Bitcoin is still a rounding error on most days at Coljac — roughly 5% of total annual business. But on weekend meetup mornings, it jumps to half of sales volume. That's not a typo: 50% of morning revenue, regularly.
How a café became a Lightning node
Goff didn't set out to run a payments lab. She picked Coinos.io because it handled both Bitcoin and Lightning without demanding a merchant account, then switched to Square once Square turned on Bitcoin support. The fee math is the quiet draw. Bitcoin transactions at Coljac carry 0% fees through the rest of 2026, stepping up to 1% in 2027 — still well under what credit card processors skim.
That margin is the whole pitch to the businesses that followed her. A farm selling beef or a golf course booking tee times doesn't need to believe in monetary policy. It needs settlement that doesn't eat 3%.
The directory south of St. Louis
The café has catalyzed a small circular economy in and around Farmington and south of St. Louis. Among the businesses taking Bitcoin are Milkmen Farms Alliance, Hale Family Farm, Ozark Prime Beef, Cherrywood Golf Course, The Station at Sawyer's Landing, Hairapeutic, Sneak a Peek Ultrasounds, and Bobs Tractor & Equipment Repair. That's a weird and genuinely local list — beef, golf, therapy, tractor parts — which is the point. A full directory of vendors accepting Bitcoin within two hours of Coljac is available on btcmap.org.
What 1 million Square vendors actually means
Square's milestone matters less as a headline than as plumbing. When a payments giant flips Bitcoin on for a million merchants, a rural café owner no longer has to explain Lightning channels to a skeptical vendor. She can say: it's in Square, turn it on. Coljac's 5% baseline suggests most customers still pay with cards or cash. The weekend spike suggests a different crowd shows up when the meetup crowd does.
The 2027 fee change at Coljac is the next concrete item on the calendar. If Bitcoin volume keeps climbing there, the café will find out whether 1% is still cheap enough to keep a tractor repair shop in the loop. The rest of the directory will find out alongside it.
