Paper currency is the most stable currency that does not know sharp fluctuations from time to time, but the cryptocurrency as we have all seen is more volatile since its inception. That is why I do not think that crypto will be a solution for merchants who accept payment in digital currency. You can only benefit from investing in digital currency.
to trade on several platforms that sell their services or goods, maybe they can use their crypto. it's more oriented towards stable coins than altcoin that is already on the market. blockchain technology itself can be adopted by several platforms for trading and payment. but as a transaction tool at this time altcoin will still be a lot of consideration.