Things like Monerium (programmable, regulated EU e-money), card integrations (pay with stables abstracted to current visa/MC), mobile wallets (only build a frontend for a fintech app, everything else is done by soemone else) is a pretty huge combo.

Especially with UX, the likes of https://www.privy.io/ is interesting, now we finally have "non-custodial" wallets with just a google-login. (check how it works, its pretty cool). This means any user for any web app can have a "bank accocunt"

Other stuff is zkEmail/zkTLS for verifiable data portability without exposing raw private data (huge for things like "vampire attacks"), and TEEs with fine-grained, 'OAuth 3.0'-style access control for private compute are compelling.

I would look at homomorphic encryption, zero knowledge tech (snarks / circuits)

All of the NFT infrastructure will be repurposed for tokenized bonds (Real World Assets or RWAs) and the size of defi and crypto network assets under management will skyrocket, and become deeply intertwined with tradfi

Privacy coins (like my username) are only going to get stronger and harder to kill

It will be much easier to raise funding for tiny startups, like you could back in the pennystock days and IPOing garage businesses. Formalized and strong names / credentials / legal remedies will enable far easier capital formation for risky companies

Bitcoin gradually replacing the USD as the global reserve currency is quite an exciting development