Merchant adoption in cryptocurrency payments has been slow and due to technical issues, many merchants have dropped their support for Bitcoin and others. One reason merchants are unwilling to adopt cryptocurrency payments is the volatile price.

Assets like precious metal, and fine art have been difficult to subdivide or physically transfer. Investors have manually traded these big ticket assets on paper, often through layers of intermediaries, which is slow, complicated and expensive.

There can be up to seven paid intermediaries in a traditional credit card transaction between a customer and a merchant and the total fees may add up to 8% per transaction if the transaction incur additional exchange fees.