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I think that's a fair assessment. However, I am not sure that adoption is absent. As far as a daily currency, I think that is true. However, it seems that bitcoin is being used in remmittance increasingly, and Nasdaq is now using it to track shares on their private exchange. Transactions are increasing somehow. As far as consumer apps go, I think its adoption will be less obvious. IMO Abra represents the kind of app that will increase consumer adoption. In short, it will be rails for fiat exchange.