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Good to hear such an optimistic forecast, but the question is 'how long will it take'? CBDCs should be a key element, but central banks are not noted for acting first or fast!

It may be the market maker role in each country  has to be commercial, at least in the beginning; in the same way as we are proposing for international remittances.  

This unfortunate occurrence for Coinbase indicates one of two things; firstly, the US needs to finalize its overall approach to cryptos and who is to be the single authority to oversee all aspects. Secondly, if it is too limiting (and less than clear) the overall market risks moving offshore, even more than now. 

It's hard to understand how it took so long for the SEC to react on this issue of interest earning - and how aggressively it was managed. It is not as though it is a  new issue within the overall crypto market. 

The threat of Libra (Diem now) from over two years ago was expected to ignite other commercial solutions, apart from the governmental opposition. Whether Amazon's move on this - and the quoted Amazon TV linked to Alexa - are part of the response, possibly generated by the change of management - we will see. But it is good if it means lower costs and better service. When will Google and Apple join in the payments battle - and how much will it be across the globe, rather than US-centric?