If we are only talking about the battle between the two for only next year then no doubt it will be fiat that is to win. We might think that cryptocurrency is widely spread now worldwide (it may be true) but considering the population of the world I doubt if the crypto community even reached 5% of the world's population. So if we are to be positive and say that we are 5% of the population but 100% uses fiat. So clearly cryptocurrency doesn't stand a chance over fiat. But if we are to talk about 30 to 50 years from now, then that is another story.