It seems to me that now coins that are actually used for making payments are bitcoin and ethereum. Maybe a couple more coins. The remaining coins are a tool for manipulation and trading.
It's creation have different in purpose and uses. They just consider to be a way of utility coin which could be used to buy stuffs and some services. Yet, BTC and ETH are so often acceptable in the market as payment but it surely there is a huge development which could lead into accepting different coins in the future.