It could be individual companies or providers, or even very big payment service providers that you can already use to pay everywhere. I been waiting for Mastercard for a long time, because they preparing the future and find cryptocurrencies positive. Mastercard has made it official since 2021, they want to support cryptocurrencies. That's brilliant and it's going to change everything. It's about enabling everyone to use digital currencies and to choose whether to use: crypto or fiat currencies.
German Source 2021: https://www.mastercard.com/news/europe/de-de/blog/de-de/2020/warum-mastercard-crypto-in-sein-netzwerk-bringt/