For business acceptance, I see how it would be hard if it is impossible to use on a CEX. I think that Haveno/RetoSwap will eventually become the preferred and more convenient Fiat-->Monero method instead of CEXs for the avg user.

Overall though I would even prefer to use a stable than a bank or fiat p2p app to send money.

>They've failed horribly at meeting the regulatory and political challenges of being tradeable on central exchanges and as a result has met weak acceptance from crypto-friendly legal vendors making it harder to use as actual digital cash.

Despite this, everywhere it is accepted, it becomes the largest marketshare crypto payment method, excluding whales.