Several things: (1) Onramps have to be better. Currently instant exchanges exist for fiat for some currencies, but if there's a crackdown on DEXes like torrent sites, then even crypto to crypto exchanges won't work and the average person won't use localmonero, (2) payment channels (preferably on chain) to ensure instant payments (waiting 2 minutes is fine in a sit in restaurant but not if you want to buy a coffee with a long line of people behind you), (3) payment billing -- if you give give me your public key, I should be able to send you a bill with itemisation of the expenses, just as I can with a payment provider. Wallets can then provide automation on the bill payments once the public key of the requester is verified. Note, there is synergy with payment channels. (4) secure self custody has to be easier. Getting my parents to understand custody services like banks and paypal is simple. Getting them to understand mobile e hot wallets is easy. Getting them to understand multisig and hardware wallets is virtually impossible and that is the case for the bulk of the population. Even if they understand it, they will forget their password and want someone to call to reset their password, and they'll forget to make arrangements for their monero to be inherited. Some of this can be automated with wallets (e.g. encourage users to have 3 types of wallets, a petty cash wallet that's less secure but convenient, a monthly expense wallet which has more cash and more security, and a long term expense with a lot more security, limits, hack resilience, and assumption that anything can go wrong including loss of passwords).
Monero
This is the lemmy community of Monero (XMR), a secure, private, untraceable currency that is open-source and freely available to all.
Wallets
Android (Cake Wallet) / (Monero.com)
iOS (Cake Wallet) / (Monero.com)
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Monero, XMR, crypto, cryptocurrency
Monero being accepted by PayPal, Venmo, Stripe, and all the popular payment gateways.
It is not going to happen. The good news is that we do not need it ...yet
Why are you so pessimistic?
My hope is that we will have PayPal (and other big payment processors) accepting BCH (or whatever) and then you can use monero to pay behind the scene via atomic swaps.
I don't see any way for direct monero payments to be accepted any time soon. On the contrary it's getting delisted in exchanges to prepare for cbdcs.
Control is the keyword here. They want/need to keep the control. Control of the policy, be it monetary, fiscal, etc. Control is a hard drug. Fiat money (and the infinite money printers that cone with it) is an even harder drug.
CBDCs are not cryptocurrencies. They have none of the features that cryptocurrencies offer, and they therefore don't solve any problems. As such, they are doomed to fail and will never be adopted. They're no different than fiat.
Monero still has poor ui/ux. sending is not as simple as say cashapp, there are caveats, and people dont want to be responsible if all their money is stolen. I think crypto banks would have to become a thing.
Crypto banks are a thing. But no thank you, that's exactly why I prefer monero to fiat.