Even though cryptocurrency has many applications and decentralized finance transforms the traditional financing system overall, the crypto industry takes its origin from the idea of changing the transactional sector and the way the store of value is defined. To put it simply, the primary means of using crypto are payments and short-term stores of value. Both of the mentioned are crucial for massive crypto adoption: after all, these two operations are most frequently conducted by regular consumers. An average person performs tens of transactions daily. Our long-term investments may be put in crypto- or other assets; on a more everyday level, though, all of us deal with short-term liquidity, which is money used for day-to-day expenses (cash).