Crypto is here and now, but i don't think it will be the "future of money". By saying "future of money" you're implying that money as it is now would become obsolete and would all be replaced by cryptocurrency. That's where my opinion comes in, i don't think it will be the future, but it'll be there hand in hand with fiat just like what's happening now.
Well, i'm still open for the possibilities to come.
Crypto can not be replaced by Fiat and most of the coins in the market are personal property. I think the market needs a good recovery, the investment demand will increase and if the market capitalization reaches more than 1000 billion US dollars then surely we can say this again