Is crypto now more than a speculative asset or just the same old thing based on hypes only because it seems like real life use case is far from crypto, we want it to happen for real but it's really not happening, what is stopping this from happening already.
As far as I see it, the crypto real-life utility has been improving in the last few years. It may not have that huge impact yet but we can see several financial institutions adopting, or making use of it as a model in their future plans. Crypto is moving towards there but sadly it has been small steps. I think the problem of wide world adoption is still the reason for it since the majority of the country is very tentative about accepting/adopting it since they have no full control over it.