I think hindi ganoon mapopromote yung use ng crypto bilang mode of payment sa mga local stores and merchants. Why? We already have GCash and Paymaya, in which mas convenient kasi local fiat ang gamit and hindi magfafluctuate yung price compared to crypto. Yes, users can invest easily in crypto, but then mode of payment? I think malulugi lang sila kung ganoon. And also, hindi pa ganoon katanggap yung crypto kaya medyo matagal pang process pag dadaanan nito para maapprove ng DTI and even BSP na gamitin to bilang modern mode of payment.