That's kind of odd question from somebody who is into cryptocurrencies. Kind of tired explaining all the problems that fiat has over cryptocurrencies. You should already know these answers.

Have you ever seen obyte.org?
* ICO/STO Platform (cheaper and easier than on Ethereum)
* Developer friendly (friendlier that PayPal or Braintree or any other fiat/credit card processor)
* Risk-free conditional smart payments (doesn't even need oracle if used for Obyte assets)
* P2P insurance (either by finding a counterpart from public channels or flight insurance bot, could be used for other insurance too)
* Prediction markets (currently only possible by finding a counterpart from public channels and then offering contract via chat)
* P2P betting (either by finding a counterpart from public channels or via sports betting bot or BB Odds website
* Textcoins (actually what sending funds to email means, PayPal just uses email as account number, even better than PayPal when used with email attestation or username attestation)
* Sovereign identity (most coins only dream about it in their whitepapers, Obyte have it already for over the year)
* P2P payments in chat (like Venmo or WeChat)
* Chatbots (don't know any Chatbot platform that also has payments included, maybe WeChat and probably Facebook soon)
* Blackbytes (great for privacy, if used the right way)
* Cashback for merchants