I think from a technological level it's for anyone and everyone which is what I love about it.

In terms of usability and user-experience, I think we've got a LONG way to go until it'll have real mainstream adoption from joe public. The reason I say that is that not everyone is particularly computer literate. If you think about even fairly simple terms to us like 2FA, public key, and private key, most normal people will not understand what they are or how to use them. There are places where Internet Banking is only just becoming a thing.

I don't think these things are insurmountable by any stretch and things will get a lot more user-friendly as time goes by, especially if mainstream players such as banks start to adopt and adapt the process/services for everyday people.