What's the Venmo Killer?

I'm more bullish on ZK roll ups than most of the some other layer one. I want to see mobile native crypto solutions where the crypto bits are real, but quite invisible. It's settling back to Ethereum is what is in, in my opinion, going to carry the day. People don't see what care about that. They're like, Matt has the best business development out of anyone. And maybe they'll win.