Every bank on earth today could develop a lightning tab in their mobile app by the end of this year if they wanted.
Your bank balance could be then be sent instantly to any other person on earth just by doing a live conversion into sats which are received instantly and live converted back into fiat on the recipients end.
This level of payment and money transfer functionality and interoperability could be implemented by the end of this year if every bank built simple lightning functionality into their mobile apps starting now.
By the end of this year the entire world could be running on a payments system that is instant and free between any two people anywhere on earth.
How else can we make this happen and speed up the transition away from SWIFT and VISA towards lightning?
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