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The killer app of crypto is... a wallet app to put your crypto in. Okay.

This is “decentralized Venmo”.

Yes, the “killer app” of internet currency is going to be money transfers. That is not surprising, non-trivial, and quite valuable.

That's not a killer app. We already have money transfers.

Providing global instant settlement for sub-cent fees? Doubt it.

Then you believe people will use this at a scale worthy of being called a killer app?