As the article states the biggest problem is onramp (just like with most crypto). When using it for payments is that it is hard to make a case for a regular us

As the article states the biggest problem is onramp (just like with most crypto). When using it for payments is that it is hard to make a case for a regular user (new to crypto) to use it. The onramp is too painful/expensive/convuluted + payment is without recourse. Joe Customer needs a really good incentive to use crypto. Currently this means something shady. So only normal crypto use is for those who already hold some crypto. PS I've looked for a good solution to this since 2011 and the progress has been glacial.