we expect that most users “home fiat currency” will be available as tokens on the blockchain. Could be as something like the Santander $ (fiat backed) or with some stable coin mechanism with other crypto tokens as collateral (StabL or DAI)

So – yes – we expect that a user does not even need to know that they use crypto$/€ whatever – like you today do not necessarily realise that the $ on bank X is different than a $ on bank Y