Cryptocurrencies are not reliably fungible, nor stable, nor suitable replacements for PayPal. They have their uses, and avoiding government control has its appeal, but it’s not what OP asked for.
Monero is fungible and especially when using the one-year moving average is quite stable. The variance on either side of the moving average is about 15% and that will decrease as adoption occurs. I run a small store where I sell products for Monero at stable prices for three months in a row by using the moving average as my price point.
Monero as the current fiat system becomes more and more untenable and people look for a solution not controlled by governments.
Cryptocurrencies are not reliably fungible, nor stable, nor suitable replacements for PayPal. They have their uses, and avoiding government control has its appeal, but it’s not what OP asked for.
Monero is fungible and especially when using the one-year moving average is quite stable. The variance on either side of the moving average is about 15% and that will decrease as adoption occurs. I run a small store where I sell products for Monero at stable prices for three months in a row by using the moving average as my price point.