That is the central opportunity in “From Asset to Everyday Money: Making Digital Currencies Spendable,” the July edition of the Payments Innovation Tracker® Series from PYMNTS Intelligence and Paymentology. Consumers show growing interest in using cryptocurrencies and stablecoins for purchases, but acceptance, trust and uneven payment experiences still limit their choices.

The report pointed to a practical way forward. Linked cards, instant conversion and modern issuer-processing systems can connect digital assets to the payment tools consumers and merchants already…