Valid point on USD link but then given demographics here are people really going to want chunks of their cash in a Dubai only currency - they'll need to set exchange rates for it and you end up going back round the same circle.You can see why they're doing it - with the dirham pegged to the dollar, if Trump presses the big red button on North Korea, the dirham follows the dollar down the pan too. A crypto currency would give them control of value by controlling the exchange rate. But it would be a pain in the backside to keep charging your account before you pay bills and add an unnecessary extra step into an already flaky e-commerce system.
I'd concentrate on stability and uptime of the existing systems to bring e-commerce on par with the rest of the world. The number of errors you hit when you're trying to pay a bill over the net, direct debit system is unheard of, internet banking is waay behind, people still have to phone up to confirm electronic payments. I'd make the existing system less clunky, more reliable and trustworthy before adding another layer of not-quite-working bumph on top.
I do quite like the remittance cryptos, one of them has to come up trumps with a system where the chain of companies, governments and banks don't all get their hands on a slice of your monthly pie and make transactions cheaper and faster.