The moment you use it as such

Now? Now.

It already is for select transactions in select communities? In this a timeline thing. Using the internet as example.

1) what is it??

2) geeks use it

3) my kids use it

4) my friend uses it

5) I use it now and then

6) how did we live without the internet??

Already is, but you might be confusing cash and currency. There’s a massive difference. But history has deprived us of the difference in every day life.