BTC might be the real thing, but some people are getting frustrated that it is becoming so centralized in the hands of a few miners. If BTC can ever remove mining from the equation and have transactions in the micro-seconds than it will really take off. Until then it will go up in value but never replace Visa/Mastercard.
But in that case buy Tenx Pay, Monaco or OMG.
BCH and BTC have been surpassed by hundreds of coins. Bitcoin is valuable because it's Bitcoin, the daddy of them all, not because it's great tech, BCH has neither the tech to be anything special, nor the name, it's a pure mirage.
The transaction problems need solving but they will be solved. And a lot is due to sabotage, not saying that's not a problem, it is, but BCH ain't the solution.