The whole problem with crypto is it can't be used for real life transactions because it doesn't fit within the framework of the international monetary system.  Users risk having their accounts banned, banks risk being fined, and regulators risk facilitating criminal activity.  Ivy is potentially the bridge between the real world and the digital payments world.  It is like the earlier tycoons building the railways to foster the great industrial economy and laying the foundations of growth. Let's hope for our global society this succeeds!