In the future we’ll use dozens of different Cryptocurriences every day

There are hundreds of different Cryptocurrencies today. At the top sits the darling Bitcoin, and fits into the primary group of Cryptocurrencies — electronic money. Bitcoin is simply digital gold used to purchase things and store value, and there are dozens upon dozens of new currencies that want to displace Bitcoin and become the top Cryptocurrency. These currencies claim to offer something better such as faster transaction settling, more privacy, less mining resource usage, etc. If I want to buy an item directly or cash out to US Dollars, or some other fiat currency, I might use Bitcoin directly to do this.
A second group of Cryptocurrencies are Utility Tokens, and these are not so much used for money or purchasing things but to drive the operation of computing-style Cryptocurrency systems. These are new computing networks which carry out everyday computing tasks using Blockchain and Cryptocurrency technology; they vary wildly and more new ideas are coming every day. You must somehow obtain these “Tokens” to use the service.
Use cases such as location services to replace GPS, electronic notary systems, medical data systems…tracking food and pharmaceuticals, shipping and logistics, getting a taxi ride…watching a movie, staying at a hotel or flying. The list of unique Cryptocurrencies for every conceivable action you might take in a day is mind-boggling, and growing longer every day.
As many people who trade in several currencies will testify, a problem quickly materializes when have to make trades to convert between all these different currencies. So what happens in the future when we are going through our lives needing to interact with all these Cryptocurrencies just to get through the day? The answer is a conversion layer will be put in place to convert from a basic list of primary spending currencies into these sub-currencies — and back.
We will see one price for goods and services in a well known currency, and this will reflect the cost to convert to the utility token currency, pay for the transaction and execute delivery of the service. When we rent a car for $0.0002 Bitcoin all the underlying conversions will happen based on current market prices, and the utility token will be purchased and used to execute the rental. In this way we’ll be able to walk through our daily lives without having to make nine Cryptocurrency trades to survive a single day.
A host of top-tier service Cryptocurrencies will emerge, covering the most useful Cryptocurrencies used in society — there will be speculative trading on these as well…just like key commodities are today.
Who will be the one to create this transaction layer and implement it first?