On the other hand, Visa and Mastercard may have other plans that could derail CRO serving as the back end to commerce transactions.

They already have their own Visa debit cards, and I don't think they'll give up this partnership, at least for a while.

Crypto doesn't have penetration into the regular retail spendings on its own yet, so unless it will have at some point, these partnerships with Visa or Mastercard gives crypto access to their massive networks. True, that happens after crypto is exchanged to USD or whatever the base currency of the card is, but it is still a gateway which didn't exist a few years back.

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