<< I mean actual users...like you and me.. >>
They aren't really a forward-facing company. They are more the backend (behind the scenes).
BKKT is a spinoff of ICE (Intercontinental Exchanges), which is a Fortune 500 company worth $75 BILLION. ICE runs the NYSE. The NYSE is the backend for many brokerages. They don't have "users...like you and me" (directly). In 2020, the NYSE made about $50 BILLION in profits (by being the backend)
BKKT is going to work similarly. They will work behind the scenes for Mastercard, Google Pay, etc.
Don't try and fit a square into a circular hole.