AP/Jeff Chiu) Cryptocurrencies are accepted at more than 11,000 brick-and-mortar retailers globally. But crypto users are struggling to use it for more everyday transactions. That's due to a number of things, including price volatility and hefty transaction fees. In the original whitepaper, Satoshi Nakamoto envisioned Bitcoin as a peer-to-peer version of electronic cash that would facilitate transactions without the oversight on a trustworthy, centralized party. Since then, cryptocurrency has surged in popularity as an asset class – and Bitcoin is now just one of many digital currencies out there.