Seriously, this thing will be still born unless they can work some magic in terms of on/off ramp fees and performance. Instead, it appears they are leaving this to the usual profiteers who typically in no hurry and take a quite healthy bite out of your funds.

One big reason why (but not the only one) almost no one is using crypto for payments is the simple fact that the actual end to end cost is typically *more* than traditional banks --- unless you have the odd payee who is content to leave funds parked in crypto land.

Everything about the crypto market as it currently exists is built around speculation --- *not* currency applications. Instant payments 24/7 using plain ole USD (FedNow) will make sure it stays that way.