I sincerely believe that the crypto world is gradually Hitting it's adoption target although it's a little slow but I have considered an unlikely story of partnership between the old and new, which is unfolding in Australia as Australia Post delivery service is using digital identification technology to enable cryptocurrency exchanges to carry out "Know Your Customer" (KYC) checks in a matter of minutes, thereby simplifying the process of purchasing crypto in Australia. Using Australia Post’s ‘Digital iD‘ service, Australian crypto buyers no longer have to spend days waiting for exchanges to verify their uploaded identity documents and photos before permitting them to trade, which is currently the case due to KYC and AML laws in the country. Instead, registration procedures can be completed in just a few minutes.
The main implication of this is that a major cryptocurrency adoption barrier that causes difficulty in exchange and proving identity satisfactorily has been removed in one fell swoop. Instead of having to share documents and personal details multiple times with different platforms which are in itself a significant consumer security risk, users only need to register once with and then share identity verification from Digital iD with any platform that is integrated with it. Even platforms like hooch and hoochblack via the hoochapp  have got wide coverage and have taken away fiat from bars and hotels.
All barriers are being removed except the simplification of the system and it's terminologies. The lingua of crypto is solely used by crypto enthusiasts and merchants. This would pose a huge hinderance to total adoption of crypto currencies over fiat.

Je pense qu'un changement culturel et progressif, passant de grandes institutions de confiance à des systèmes d'égal à égal, pourrait orienter les consommateurs vers des réseaux financiers décentralisés. Mon point de vue est que la tendance macroéconomique la plus importante de notre vie concerne les gens qui font de plus en plus confiance aux gouvernements et aux grandes institutions. Je le vois plutôt comme une sorte de mouvement progressif vers la crypto, je pense que c’est un peu un changement culturel et graduel, passant de personnes faisant confiance aux grandes institutions et aux gouvernements à l’utilisation de la blockchain. Actuellement, le marché de la crypto-monnaie connaît une croissance exponentielle en termes d'infrastructure, d'adoption et d'institutionnalisation.
La structure des réseaux de chaînes de blocs voit évoluer en termes d’évolutivité, de stabilité et de sécurité, alimentée par des communautés de développeurs open source actives, des écosystèmes et des systèmes de récompense tels que celui de pundi-x (l’amour de ma vie passée), Tapcoin (en cours). son meilleur maintenant, avec des boissons gratuites et beaucoup plus de récompenses sur la plate-forme Hooch). D'autres sont komodo, Ark parmi d'autres Bibox.
Je pense que l'infrastructure et les intergiciels utilisés dans le secteur des cryptomonnaies s'améliorent rapidement, permettant ainsi au marché de se stabiliser et d'attirer les traders agréés et les investisseurs institutionnels.

I do not think that this is a case in point since I personally believe and based on the market drive and speculations, that the market would maintain its volatility because of the competitiveness of the market even at the height of adoption. For example, the USA alone has 8% of it's population already owning tokenized systems, this hasn't affected the adoption rate or helped the volatility problem. Please note that they are already OWNING. Also note that MERCHANTS AND INVESTORS are high-risk takers therefore tokenizing their systems would not be a problem. I believe that the challenge here is the ability for the already tokenized systems to reach down to the RETAIL MERCHANTS. Considering the example of The Tapcoin which is already used in various hotels and can even be gifted and used to redeem free drinks and has its application -hoochapp- on both ios and android platforms. We must also note that the volatility is not because of the lack of adoption but the consistent Airdrops by competing products. It is just as volatile as the Foreign Exchange system. Let us design systems that are low-end-user-friendly and copletely break the fiat driven business protocol. Let's not portray bitcoin and other crypto currencies as a store of value but a value exchange system.
I'll love to know if there are other projects that have answered these needs.
BREAK THE MERCHANT-MONOPOLY
GIVE THE PURCHASING POWER TO THE CONSUMERS.( make them want it).
Else it would become another GOLD that cannot be made available to everyone except at a particular very high cost.

Having understudied the adoption of the token system by mega industries with the focus on the volatility of the hospitality market, In a short two years since launch, HOOCH in comparison with other hospitality providers has disrupted the scene with the tokenization of its payment and reward systems. It has also garnered the support of many top hospitality companies. Having already built a network and offering perks today at over 100,000+ top hotels, restaurants and bars globally. HOOCH is unlocking new venues and growing its user base at an accelerated pace using Tapcoin on the hoochapp. So I believe they amongst others I have understudied are already using their tokenization as a means to garner support for mainstream crypto adoption.

Since projects like MFCHAIN, PUNDI-X, UTRUST and some other unnamed payment systems makeup 1.9% of the commerce and advertising section of ICOs (based on funds collected i.e crowdfunding), I am wondering why only bitcoin is used for payment in the Phillipines. It seems we are still far away from adoption. Just thinking, although I forgot to add DASH (my ex) to my list considering it's a legacy blockchain. But really you guys should check out MFCHAIN, it could be a rivalry payment system as it does not require a hardware, making it easy to use by merchants.

It's quite interesting. I checked them out and their platform will have 'no-coiners' receiving Tapcoin to receive cash-back on purchases when they spend at their 'partners' ....so (bars, restaurants, hotels etc).

There are two halves to the Hooch platform: On the one hand they have their two memberships - Hooch - standard membership is like ten bucks a month and one free drink daily. They do Hooch Black too which is like their premium membership - you get a load of other benefits there.

BUT the super interesting part of what they are doing is the other half. Hooch's partners pay the consumers/ shoppers in Tapcoin for having access to their financial/spending habits. (This is pretty cool as normally this info is taken with the consumer getting nothing). Through smart contracts, consumers can set what information and who they share it with and then be rewarded in Tapcoin for this (which they can then spend at Hooch's partners). The smart contract can both record the consumers spending data and instantly reward. As well as being paid for this data, consumers also get paid for purchasing and spending at these partners (reward points as such), in Tapcoin.

....I've gone on for too long here so apologies. But check them out - getting average no-coiners into using crypto (without them probably even realising what they're doing) is pretty cool.

I think projects like Pundix and Mfchain, and others will change this. The fundamental problem is that paying with crypto is not as straight forward as it should be. There are hassles with transfering your money from crypto to fiat (coin-base holds anyone) and it is not as seamless as say swiping a credit card. I think we need a year or two before Pundix and Mfchain take off and that becomes a reality. There are still some fundamental problems with using crypto such as no charge back and annoying refund process; however, i think both companies and others will step up and figure out smart ways around these problems. I think crypto has the potential to be better than fiat. I do not think it will totally replace fiat, but it will be used a lot more than it is currently. I would personally use crypto for everything and anything.