Hive if starts it's own wallet with Pay service like binnace does, it can make a lot of users use it at shops and the places where the payment can be accepted. It can be something that needs some work from developers and if done it would help with adoption. I have written an article on this so do give this one a read :) Check out the article: https://hive.blog/hive-167922/@esmeesmith/pay-with-hive-utility-use-case