• Taxation. ... i.e., treatment of bitcoin as property for tax purposes (nobody wants to deal with capital gains for daily spending)
  • Exchange rate volatility
  • Initial onboarding (education on wallets and/or signing devices, including how to get set up with a wallet, how to buy / sell bitcoin, how to send / receive)
  • UX with Fiat gateways (On-ramp, Off-ramp, KYC when required)
  • Merchant payments integration and payment processing in fiat (e.g., to receive in bitcoin but then pay vendors and staff in fiat)
  • Regulatory environment (e.g., bans), and industry collusion (e.g., de-risking by banks)
  • Scammers (e.g., Fake / impersonated social media accounts providing "assistance")