RE: Steemtransfer: Theoretical concept
I think the problem wouldn't be the consumers who would gladly use a dapp. The problem is getting a large scale of merchants on board accepting any/all crypto - not just steem.
Coinpayments, I think, has the best potential for this right now. They have already set everything up for merchants to put crypto shopping carts on their websites. They also have a quick point of sale in the app so a merchant could easily set up a small tablet at the register to accept payments in person. They accept a ton of crypto and it would be easy for merchants to implement both in store and online. They also have a quick-convert that will change all crypto they have to Bitcoin so the merchant doesn't have to be too picky with what they accept. The trick is getting your average convenient store merchant to accept and use something like that, though.
Exactly that would be fairly similar to what i was proposing with this. Not that the merchants would accept crypto but that the app would instantly convert crypto to fiat for payment to the merchant. That way We could use our STEEM to pay the app which pays the shop.
I think that we are still a long way from using crypto straight so until then there will need to be a go between for purchasing as they all run off so many networks and systems. That is why Coinpayments would be a good option for online shopping and this would be an option for in place transactions.
This sounds interesting as it is taking on the same idea just from a different angle with the tablet doing the conversion rather than the app. Thanks for the input.