The centralized risk in the manipulation of the metals market combined with the speculative risk of cryptos will be interesting to watch. Tokens as a stop-gap may mitigate exposure to some extent, but the endgame in crypto is for crypto to stand on its own with value driven from long-term, consistent gains. Marry that with use-case benefits like fast(er) transactions and inherent security/anonymity and it's a very short walk away from fiat.