Crypto needs a merchant-customer based payment system. Everyone's trying to make a company with new Visa/Mastercard capabilities, while relying on the enemy - Visa/Mastercard infrastructure, which means triple fees for the customer - blockchain gas price, Visa/Mastercard fees and finally the service own fees. Relying on Visa/Mastercard alone introduces theft (aka regulation/taxation) from government, which defeats the purpose of crypto. This is absurd, the new payment system should be only smartphone based, since everyone has one. Only gas price should be paid to transact. But no one is doing a payment processing service that takes no fees. The next logical step for a better service would be apps for both merchant and customer, they only transact in crypto on spot via QR-codes, no conversion to fiat, transaction goes straight to miners and stored into blockchain, so we get rid of Visa/Mastercard and the government. Then customers will have 2 fees - service fees and gas price. It's not perfect, but this would be already better than what's available now..