To spatula, I think that with the DAPI, Dash can be a direct competitor to Paypal (easy of use, with login/password you can send money here and there), with less (or no) fee.
It sure can.
Not least because of the ability to support a non-denominated transport medium for value that competes with the Lightning Network by virtue of a far higher performance settlement layer *.
* a settlement layer with authentic monetary properties that match the best of those of the last 5 millenia