Yes, I could have been clearer in my original post. My point was in reference to, many crypto advocates saying years ago that these types of small transactions

Yes, I could have been clearer in my original post. My point was in reference to, many crypto advocates saying years ago that these types of small transactions at high speed and lost cost are one of the biggest benefits of it. This has never materialised, instead the market has been taken over by companies using mostly boring technology. It might well be, that fear of competition from crypto has caused the traditional finance companies to move.