For tapping in the payment system you first have to make HBD and HIVE accepted for payments and not payments that gets processed by mastercard or visa. And that is something like step number 20+ . But you are right most of the infrastructure is here. The social media aspects can play the role of getting the people to know and trust Hive.
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It's crazy that Hive has not existed for that long and we already have this much going for ourselves.