Marshall Hayner, the CEO and founder of Metal Pay, a fully operational payments app with support for cryptocurrency payments in 24 US states, recently shared his views and insights with CryptoGlobe for the digital asset industry. Hayner, who was an early bitcoin (BTC) adopter and also worked as a contractor for the Stellar Development Foundation in 2014, revealed to us what he thinks are the main factors that are preventing institutional investors from entering the cryptoasset market.