Hopefully someone will come along and make crypto so easy a cave man can do it. the average jo I talk to on the street has no desire to get into crypto because its to hard for them to understand. if it could be as easy as using paypal. that would change the game.
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That's why Kinesis has forked Stellar to integrate the blockchain into its existing infrastructure.
While people will use a typical payment card, the backend will be on a blockchain. The user experience is sustained at quality levels while people still enjoy the benefits of Crypto and blockchain.