Crypto Payment Adoption - Exponential adoption of direct native crypto acceptance peer to peer and merchant to customer is expected over the next 18 months [1] - Intermediaries will be eroded to the bare minimum [1] - Dedicated crypto payment rails will rise due to low friction, instant settlement, no fraud, no clawbacks [1] Merchant Opportunities - Merchants can save 5-10% of the expense of accepting bank money by integrating direct crypto payments [2] - Bank payments, Visa and Mastercard are becoming outdated [2] Sui Network and Layer 2 Ethereum Solutions - $SUI Pay goes live on @SuiNetwork [1] - Layer 2 Ethereum solutions with centralized sequencers and 7-day escrow windows cannot compete with instant settlement [3] - Layer 2 Ethereum solutions are trying to extract new intermediary fees [3]