Most of the money is just moving for trading/speculation purposes, from one exchange to another, or from exchange to wallet and vice versa. And there is a lot of trading going on, so I don't know if looking at it in relative terms makes that much sense.

They are two separate use cases, and so far not that many people are using cryptocurrencies for payments. Even if the payments use case were to grow, I believe that the trading/speculation would grow even more, so the payments use case will keep being a small percentage, at least for the short and medium term.