Cryptocurrency and the Killer App

The killer app is like a lightning wallet that will do a transaction in BTC or USD in one second and no transaction cost between any of 10 billion devices. Do we have that yet? Not quite, but do we have surrogates for it? You have all sorts of crypto surrogates. And you take risk. But the view is I would rather trust a custodian or a company than live in a hopeless situation.