[71a54xd]

The long term value in crypto is the value in their utility as transaction layers, not the currency itself, not stupid smart contract garbage.

Visa is pretty shitty but obviously the best choice for most systems currently. I like crypto, but obviously bitcoin is aging "tech" at this point and wasn't really a great way to send money around in any case. CBDC's will be the future, Defi might also just get regulated out of existence.

Please just put the phone down if some idiot starts trying to explain why "bitcoin is the only true digital currency". ETH heads are also starting to become a problem...

ESG and it's implications to incentivize "green" networks like Chia will also start to get really interesting.

By far, the best long term use of crypto's will be to democratize and streamline the issue of grey area or high risk online payments. Circle and NowPayments.IO are in my opinion the first movers in this space.