For now maybe we are turning into cashless first. Just like in China most local use wechat app (QR code / scanner) for their daily financial activities. In my country cashless technology (wallet) are trending too. In just 2 years we got almost 10 diffrent wallet app providers. While for crypto technology to replace fiat is hard to predict. But in the future it will.. Crypto technology for me is still hugeeee Even in my country(Malaysia), the minister of finance also talk about blockchain technology in parliament. About how blockchain is the future. And why Malaysia gov should take it more serious.