Cryptocurrencies have the potential to vastly improve systems of payments if designed and implemented correctly
Which are you referring to here, is it the whole crypto networks, bitcoin or altcoins, because i can say that bitcoin already has what it takes to be the mainstream for payment system and all about the network is nothing to fear or doubt about, bitcoin is already a means of making payment, medium of exchange, store of value, investment asset and a legal tender in two countries, El-Salvador and Central African Republic, what else should we expect than massive adoption of these.