No peer to peer banking app. If my programming time isn't already 100 percent occupied with other projects already, I'd code one. It seems to me that it is a waste of bitcoins to have it just sit in your wallet all the time. You should have a banking app that will allow you to loan your bitcoins out with interest based on a borrower's credit score. Your money should be working for you, making interest and dividends, not just sitting in your wallet.

Have a blockchain like app with multiple decentralized servers take deposits. Then, this app will make loans with interest based on credit scores. The app will then pay the depositors interest minus a reasonable fee for the people running the servers. This would act as a bank without the crazy banking fees and our taxes being given away to "bail out" shitty banksters that will only use the money to throw fancy parites with hookers and champagne! Computer servers don't need hookers and champagne.

There should be automated apps that take the place of all financial services which are currently run by corrupt banksters and lawyers.