Honestly, I simply am waiting for mass adaptation and the people to begin publishing and discussing what they published here on Steem, that's next, all I can do is sound the same tune I've been singing ever since I came here "decentralization+transparency=censorship-proof".
Once you build it, they will come.
Crypto fails at the transparency part. I wonder if crypto based loans will ever succeed. If your loan changes value according to the coin value I doubt it.
Don't laugh at them, they are using words like transparency to claim that something isn't transparent when they obviously don't realize that it's indeed transparent.
I wonder, if I make you a loan in BTC, do you owe me $ value or BTC value?