Utrust - better than paypal
Dether.io - no competitors and useful product
Pally app - better than airbnb
Utrust, Monetha, Dether, Smartex and other ''payment'' systems, you wont hear any of those names when alts go crashing and be irrelevant in a few years. I can't understand how these project gets so much attention and people say there are too many scam ICO, these are the biggest one,but no one realizes it yet