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Def not to late, the money supply is huge and so BTC at $1 trillion today is tiny when compared to the multi-trillion dollar markets out there.

Gold is huge and BTC has room to grow into the new gold. If you are reading this, you are early.

The renewable energy part is intereting. If you can store energy in some kind of money that is the ultimate revoloution because all that wasted energy can no be stored and used at a later date and transported to a new place to where it is needed to make pay for more renewable energy systems.

Thats a virtus loop that is missing today in energy because it is hard to store energy!

This is interesting right here:

"Some commentators believe that rising talent has “got bored” with traditional banking’s bureaucracy and is enjoying the novelty of crypto banking."

Emerging markets need this, Turkey for example with a tough currency situation and bang right between the Euro zone and Middle-east could take full advantage of the flexiability of crypto banking based systems.

Many crypot exchanges are already doing this right now because they offer services that traditional banks just  can't.

Great list!

One thing I'd like to add here is the magnintude of financial DIY tools that are coming out now thanks mostly to the open nature of crypto tech.

2021everyone and every business will need to do crypto in some fashion.

How that looks? who knows... but the tools to do crypto are getting easier-to-use everyday and these tools are  racking open fintech to the masses.

I suspect these credit card and crypto reward combo will be more and more commonplace.

Why would anyone not want to be rewarded in a appreciating asset everytime you spend local currency.

Only issue is most of these credit card deals are US based only at this point.

BTC ATM operational costs are rather high so hence why its typical to see large fees/spreads on these machines but people pay for the physical convience and direct cash transaction. Can't easily do that with any crypto exchange website.

One thing that isn't clear is the KYC behind these machines. Having to scan ID while trying to do a quick cash/btc transaction kind of deafeats the of using an ATM.

I think what everyone fears is coming true... That XRP (Ripple company) will be the example made of by US regulators to warn those that want to create a fund raising platform through tokens without a clear ultility from day one will be targeted.

Ripple did a good job getting new people with the corporate image and they did teach a lot of businesses that would otherwise shy away from crypto, but XRP wasn't really ever a real crypto because the corporations had to continually promote and pump it.

Ripple gave out lot of the XRP token and kept selling it as the 'crypto' that banks will use.

They hold a lot of the tokens still so its not very distributed and so it has always been in their interest to pump the token.

I think the SEC going after them now though is a bit late and speaks to how behind they are.

If Ripple wins its a win for crypto. If SEC wins it is still a win because proper distributed assets like BTC and ETH will soak up the value but I think Ripple lossing will make the regulatory envoriment really bad for other token creators which IMO shouldnt be the case.

This will be a huge IPO but would of been better if it was a token rather then a traditional stock.

Which payment system would work with IoT? So far seems that transaction fees are making the IoT internet of payment thing pretty impossible.

Everytime a payment platform claims to be cheap and efficent they don't have enough network effect and everytime a blockchain has the network the fees rise.

I'd like to see IoT payment systems as much as the next guy but so far there isn't a sclable solutions that works.

I guess we can only handle large and important transaction with fees but purely fee free payments which IoT needs I just dont see it as of yet.