I believe one of the major setbacks of the present crypto space is a lot of new projects are focused on providing the fastest easiest crypto coin to be used for payment purposes and transactions however considerably lower effort is placed on the vendors who are actually going to be accepting payment in form of cryptocurrencies because what is the use of having a crypto payment card full of money that you cannot spend.
Whitmore payment gateways a inform of PayPal and the likes accepting crypto payments from multiple coins without necessarily issuing their own coin then there will be better adoption of cryptocurrencies by both business owners and customers.
This issue depends in our individual analysis,. we see that there are hundreds of exchangers nowadays, but they also have limitations, most and few people are not satisfied in it, maybe this is the reason why some developers tried to make an ICO for exchanger project, which is a good thing, a hundreds competitors still the best, as long as they dedicated to their project
I am agree. Crypto investor have choice to select their own exchangers. Cryptocurrency can not used as payment because government regulation and i think its different perspective. In several country, like Japan, merchant accept bitcoin or others crypto.