I think yes, it could disrupt. Take note, how many people use Facebook, almost 3 billions now so Libra has enormous users base at the beginning. To many people it could the most convenient method of payment. What' more Libra signed cooperation with 21 members e.g. Spotify, Uber or PayU... It is going to be huuuge
I don't think so, yes we do have a lot of users for facebook, but let us also be reminded that every country already has their own different types of payment system, I still can't figure out for now what Libra will do for them to encourage people to try Libra as we all know it is not like Bitcoin that has advantage way of holding, as it can't go pump and dump just like Bitcoin.