I have the feeling that applications like @daimo @beam-eco and https://www.zkbob.com/ are underrated. They are finally fulfilling the original promise of blockchain technology: Fair and equal access to programmable money for everybody.

Your own bank, on ethereum
https://github.com/daimo-eth/daimo

Beam is for payments⁜ beam.io · /beam · built on /eco 

Developer Relations at Edge & Node, working on The Graph. Opinions are mine.

The simple and great UX is only possible thanks to recent developments in the space: Account abstraction, smart accounts, layer twos. My wish list for further improvements:
- Better interoperability
- Privacy preserving transactions (hat tip to zkBOB)
- Auto interest bearing