[rugffgbv]

I think future cryptocurrency will need to be very scalable, zero fees and instantaneous. At least capable of handling VISA traffic. Ideally something good enough for microtransactions, sending $0.001.

So far I've heard about IOTA and Lightning Network.

In Europe bank transfers are free. I often send $1 or $2 to roommate bank account for something from refrigerator. Also in shop I pay $2 with VISA card.