My opinion is this: PumaPay will not only serve to buy items with cryptocurrencies into shops but also to pay for services such as electricity, water, telephony, etc; since it includes Fixed Time Recurring Payment systems. And the ability to return the transactions back gives the security of a robust system. With the combination of StreamDesk (which will facilitate the exchange of cryptocurrencies to fiat), it will be more viable for businesses that wish to enter the world of cryptocurrencies and blockchain opening a new opportunity in the markets to cryptocurrencies. Since it eliminates the supposed mistrust of the world of cryptocurrencies

The capacity of PumaPay protocol for addressing a wide range of options that merchants can implement through prepared or made-to-measure solutions, will also facilitate the market with cryptocurrencies

Obviously the scheme of credit cards like Visa, Mastercard will continue to work for a long time, however, most likely they have to adapt to also handle cryptocurrencies in their transactions in the not too distant future.

@hatu