Are we heading toward a future where every company or business has its own token/coin?

I’ve been thinking about how crypto, digital currencies and the world might evolve in the next few years, and I wanted to get others’ thoughts on this:

Are we heading toward a future where every major company like Walmart, Amazon, or Apple, issues its own crypto token. If someone want to buy a chocolate bar at Walmart or pay for some subscription, he wouldn’t use regular fiat (like USD) directly. Instead, he’d pay with that company’s token.

The flow might look something like this:

• The customer opens their digital wallet.
• Either manually or automatically, the app converts digital USD (or another fiat-backed digital currency) into the specific company’s token.
• The purchase is made using the token, possibly unlocking loyalty points, discounts, or other perks.

In this model, digital fiat (like a U.S. CBDC or a stablecoin) becomes just a middleman or on-ramp for accessing various corporate ecosystems. The tokens would allow businesses to control pricing, incentivize loyalty, potentially reduce payment processor fees, and of course get rich if their company is doing well.

And instead of investing on the company’s stock, investors would simply invest in the company’s token.

What do you think?

Curious to hear your thoughts.