In my (subjective) opinion - Xapo CEO Wences Casares
Speaking for Xapo mostly, I'm sure the remaining board of directors are seeing PayPal performing the most daily payments in near future.
Conquering PayPal requires throughput, requires mass markets. Bitcoin should focus on it's Achilles' heel and there are many. Cross border payments to mention. Financial privacy, of course.
I think bitcoin is already closing some gaps. I wouldn't call it Achille's heel though, there are lots of crypto that is faster than bitcoin if we are going to compare them, however, is the most trusted so regardless if there is some issues with fees or the speed more people will still used bitcoin for cross border payments.