Due to its strong incentive to hoard rather than spend, Bitcoin is already a "peer Peerage to peer Peerage Electronic Cash System". 

Payment has already been disrupted by the like of Alipay, which has retained 500 million users and attracted over USD$1 trillion for its money market fund in the space of a few years.  A decentralized blockchain can never hope to achieve such adoption compare to a centralized solution.  In fact, the reason why Japan even introduces "J-Coin" is largely due to the expansion of Alipay into neighboring countries such as Japan and Taiwan.  Because seriously, who would want their personal banking details and spending habits stored in China and be available to Chicom censors? 

There is no need to re-invent the wheel.  Bitcoin only has to try remaining decentralized and trustless and serve its function for social scaling and reaching consensus.  One can then build payment/credit/derivative layers on top as per Exeter's pyramid. 

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It won't last long once the exchanges open up the deposits. Everyone and their mom will be dumping this. It is probably more prudent for me just to point my hash at Nicehash. It's paying pretty good at the moment for Equihash.