The biggest problem for bitcoin in commerce is a volatile price versus US dollar, and on top of that you have to pay tax for dollar profits on bitcoins.

How can we solve both of these great issues for commerce and consumers?
We use contract based coins where 1 coin = 1 USD
If the coins value is fixed to the dollar, it is impossible to profit from it and therefore you don't need to pay any taxes on it, and you don't need to care about volatility.

Ripple is right now the most promising contract based coin, and is the coin that will benefit most from the new IRS-regulation.