Right, this. I think cryptocurrencies are here to stay. I'm not convinced that's actually going to "positively affect the industry in the upcoming future". I

Right, this. I think cryptocurrencies are here to stay. I'm not convinced that's actually going to "positively affect the industry in the upcoming future". I don't think cryptocurrencies are going to remove the need for some big middleman like Visa to sit between individual consumers and their partners. Things like reversible transactions and on-demand small loans are too attractive to the median consumer, so someone's going to be layering them on top of the underlying currency, whatever it may be. I don't think they're going to have a big impact on the financial sector. They can trade and leverage and loan with cryptos just as easily as they can with fiats, just with a lot of the safety rails like bankruptcy pulled off. I don't think they're going to impact most governments' ability to levy taxes and to borrow. There are dozens of governments that don't mint their own currencies, and by and large they still maintain taxing authority about as easily as they maintain the rest of their infrastructure and bureaucracy. I do think it's going to prevent central banks from doing their thing, but I'm not convinced that's a good thing. Central banks have their issues, to be sure, but I'm pretty sure they're better than the huge boom & bust cycles they replaced. Cryptocurrencies will certainly make the world different in meaningful ways. Different doesn't necessarily mean better.