Despite being a brand new coin, I believe Graft have nailed it. They've created the first truly merchant ready network with Real Time Authorization cross blockchains. So you can pay in BTC or any other crypto and settle instantly without risk of double spends. They've partnered with the worlds two largest Point of Sale hardware manufacturers, Ingenico and Verifone. Alpha net was a success, and public beta should be soon. So that is my 2 year investment right there. Buy dirty cheap and wait for a 10x rise.