Volatility & Network Congestion & Unfix Miner Fee is one of the Barriers to Mass Adoption
Allow me to introduce the Theory below to the Blockchain Community
Universal Finance Oracle Theory Proposal :

Simplified Imagery Scenario :

Conventional Finance :
Bank ( ATM / Credit / Debit Card ) + Fintech ( for MicroPayment )
Real World Scenario :
People received their monthly Salary or likely Payed into their Bank Account,Cash out into Paper money or transferred into Fintech Payment Account for MicroPayment Transaction.
Conclusion :
Conventional Bank funct as Main Address for Savings + Deposit + Withdraw + Transfer Money.
People trust Banks as their main place to store Liquidity Assets, but Banks are not Comfortable enough to Conduct Micro Payment Transactions, therefore FinTech Payments are needed to Cover this GAP

Decentralized Finance :
All Different Independent Blockchain with or without UFO Extra Layer + UFO User Controlled Wallet
Decentralized Finance Scenario :
People puts EFFORT to Exchange their Fiat money into Crypto Currency simply because
People Trust Blockchain as a Conventional Bank Substitute in Decentralized Way.
With this Technology they hope can make Peer to Peer Payments without Intermediaries,better speed,low fees,and be able to choose transparently/anonymous/ pseudonymous transaction,or simply invest into Crypto Currency as a Store of Value.
However, the current Blockchain Implementation has not Exceeded all the Benefits of Non Blockchain, especially Micro Payment Transaction.

Conclusion :
Blockchain Funct as Conventional Bank Substitute in Decentralized Way.
Each BlockChain has Unique Source Code for Unique Purposes that’s why hard to Interconnect them All,Therefore UFO are needed to Bridging all BlockChain.

What is UFO ?
( UFO similar to Fintech Payments and Origin BlockChain as a Bank )
UFO Act as User Controlled Multi Currency Wallet,User can do Multi Currency Internal ( UFO ) On-Chain Transaction.It is mean every UFO On-Chain Transaction is without CryptoCurrency Origin BlockChain Confirmation.
UFO similar to Custodial Wallet of Exchanger but Transaction is On-Chain ( Public Visibility on UFO BlockChain,even for Monero ) and Decentralized Way.
( As a Decentralized Custodial Wallet, Nodes are incentivized By Stacking CryptoCurrency.This Network Income can subsidize miner/transaction/tx fee on UFO Blockchain )
Stacking means Less Volatility.
UFO User also can make P2P Exchange On-Chain,or transfer with Domain ( Human Readable Address )
Market-Place and E-Commerce Transaction Payment is Highly Possible with On-Chain Instant Exchange Market with Transparent and Low Fee Exchange Cost.
( Scenario : User X have 0.007 BTC & 77.000 AKA Coin and wants to purchase a Lunch.Which is priced based on Fiat Money.User X just choose the Currency that he/she had & wants to use first to pay that lunch.UFO Wallet will automatically convert and show the convert rate result to ask User Confirmation.
No exchange fee but have tx fee on convert & buy lunch transaction )
( UFO will also have Web 3.0 Compliant E-Commerce / MarketPlace Website that can accesed by UFO Wallet that Comply with Web3 Wallet + QR Code Scanner for Merchant Payment )

Who is UFO :
UFO as Extra Blockchain Modular Framework for every BlockChain (similar to SWIFT ) but in Decentralized Way and More Function Ability.
UFO Adopts Delegate Proof of Stake Consensus and Owned by Entire Blockchain.
( Delegate by every Sovereign / Interconnect BlockChain )
UFO Nodes are represented all different BlockChain that Compliant with UFO or Provided Extra Layer that Compliant with UFO Source Code.