[antihero]

So will this mean we go from having a fairly standard international payment system with two main players (Visa/Mastercard) where anyone from any country can pay for things in pretty much any other country, the same, way, to a situation where every country has it's own (perhaps cheaper) system. How does that work for tourism?

[toomuchtodo]

I assume the traditional cross border payments will stick around until better systems using new instant payment primitives are built. I would not anticipate these user experiences to get worse, only better.