I don't think exchanges like Binance support all of the fork coins that will emerge after the ETH Merge.
The best way to prepare is to store your ETH in an Ethereum network-supported wallet and wait for the snapshot (after/before the ETH Merge).

Yes, Bitcoin has a widely used Layer 2 solution!
I know you are familiar with Lightning Network (a secondary layer to the Bitcoin blockchain), El Salvadorians used that network for faster and cheaper transactions involving Bitcoin in the Chivo app. Not only the El Salvadorians using the Lightning Network but also Cash App and Paxful.

For more reports about the state of the Lightning Network: https://arcane.no/research/reports/the-state-of-lightning-volume-2

As for guildlines naman na BSP sa VASP, isa sa mga requirements nila na mag comply sa BSFIs (BSP Circular No. 808 on Information Technology Risk Management and BSP Circular No. 982 covering the Enhanced Guidelines on Information Security Management for BSP-Supervised Financial Institutions) para sa integrity at security ng kanilang system. As far I know ang service ng C-pass is more likely tulad ng coins.ph or gcash atpinagkaibahan lang is merong stable coin na involve si C-pass. Sa TERA kasi ang kanilang stable coin(UST) ay algorithmic stablecoin in layman terms program/protocol lang na kung saan ang main purpose ay pataasin/stabilize ang price ng LUNA. Ang kagandahan ng may VASP license ay may protection ang consumer at legal na ang pagbili, pagtransact ng crypto.