I know BICO is a L2 which is a web3.0 api calls. UTK is for payments. So how will this affect postman which is web2.0 api and the current payments systems.
Bico may become another L2 solution that will be an option for fantom and cosmos or near.
and for UTK even if this is working in the payment gateway but the progress was not so good. I can mention you the competitor of UTK called crypterium but this time it's fail to deliver its product. The fact is payment system was not good investment these days and this will give no impact to the payment system. Don't you see some major exchange sites even created their own payment system like binance pay?
You can also use it directly. That's why payment system project was not so good and it didn't give impact to the current payment system.
I agree with your suggestions for UTK as it will not work out in the future. But BICO is providing web3 API that's their mainstream service. Like, Postman for web3.0. So in my guess, it can be a good investment.
Also, I would love you to elaborate on how BICO will be an option for Fantom, Cosmos, and Near Protocols.
