How do customers (for example, restaurants) get cash out of HBD? Do they have to do some "crypto magic," or have you created a simple way to do it for them?

How Innopay makes money
Customer wallet balances are placed in HBD savings, currently earning around 15% APR on-chain. Customers receive a share of that yield (~2.25%). Innopay earns the spread (~12.75%).
No transaction fees. Revenue comes from the Hive blockchain savings rate, not from taxing every sale. The model works because Hive makes it sustainable.

I like that you thought about the business model, as I find it very important to be profitable... That's the only way that pushes some businesses to grow and work in the long term!

All the best!