Over the last few months, a number of cryptocurrency wallet and exchange providers have joined the Foundation for Interwallet Operability (FIO). The foundation aims to improve digital currency operability because it believes the user experience (UX) for cryptocurrencies is poor and the majority of wallets cannot handle payment requests between wallets. On March 12, a published FIO research study suggested that 60 percent of crypto users are “still scared to make a bitcoin payment.”