Well, if you look at it, cryptos are unneccessary to create a cashless system. It can be done with fiat currency just as well. It is already being done - look at credit cards, or the new "pay by mobile phone" thing in China. Its just normal money booked from one account to another. The problem is, to get rid of the physical money in the real world. It's so unhygenic, isn't it.... :)