So other than maybe being a better PayPal what's the point? Lower transaction fees?

At this point the combination of Apple/Android Pay, PayPal, Venmo/CashApp, and a Credit Card satisfy all of my needs for casual spending and money transfer. If Libra wants to unify all this then power to them but it'll be an uphill since there's a reason people aren't using the bank's worse version of Venmo even though they're integrated.

What's the killer app that will draw people to it outside of paying people to use it?