[eric-hu]

I think the second case is most likely. I don’t see crypto displacing any fiat or even financial rail system completely, but just taking a sizable share. I’ve seen very reasonable use cases in Southeast Asia in remittance. Western Union takes a ridiculous cut, and I wouldn’t be surprised if similar use cases are in Africa and South America as well.

[dogman144]

Ya would agree as well, some cross-protocol, side-chain/SWIFT/Plaid/blockchain hybrid except for greenfield areas where it might take off natively.