Excellent, the payments sector is one of the strongest and most realistic areas in the crypto market, as it focuses on speeding up and facilitating financial transfers. Here is the best currency to invest in this field:

Suggested Currency: XRP (Ripple)

Why XRP?

Its Goal: To facilitate global bank transfers quickly and at low cost.

Actual Adoption: Used by major banks and financial institutions.

Transaction Speed: Confirms transactions within seconds with nearly zero fees.

Promising Future: If it resolves its legal issues with the SEC positively, we might see a significant increase.

Strong Alternatives as well:

1. Stellar (XLM)

Similar to XRP but focuses more on transfers between individuals, especially in developing countries.

Backed by a non-profit organization and has partnerships with IBM and others.

2. Celo (CELO)

Designed for mobile phones and targets facilitating transfers in developing countries.

A great project in terms of financial inclusion.

Great! Here’s a quick comparison between XRP and XLM (Stellar):

Summary:

XRP is suitable if you believe in the success of institutional adoption and Ripple's strong comeback after the end of its case.

XLM is good if you prefer open-source projects focused on financial inclusion.