I think the transaction side of crypto is still clunky...people are still confused as to how this can be used as a real life payment system. I'm just another HODLer waiting for the next run, but really i'm interested in full scale adoption where all merchants accept crypto as a payment option.
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Once crypto works as quickly and efficiently as credit cards we will have something, we may be another 2 years or so from that though. The beauty of it is that it is all software basically. Upgrades are on the way.
A global community we be form fraud and theft will reduce drastically