Fair, and to be clear, you can use AC2 today with zero crypto exposure. The whole protocol for API access, git commits, client comms uses FIDO2 signing, DIDComm, and WebRTC. No wallet, no chain, no token needed.

Algorand only shows up in the reference implementation for the payment use case (x402), since something has to settle an actual transfer. That's opt-in, not required. Skip payments and you never touch it.