I was unaware that they were receiving straight FIAT. Not badYou don't understand shyt
you both have a lot of reading to do.
Overstock NEVER holds BTC. The instant the customer check out and pays for his items, Bitpay uses the current exchange rate, charges the client accordingly so that the amount of BTC corresponds to the FIAT price. Overstock receives fiat instantly. BitPay holds the BTC.