Are you asking about cash or crypto ? For crypto: lower cost of capital transfers, immediate collateralized loans, store of value , tokenization of assets, application and retention of royalties to digital assets like books, real time, low cost insurance markets , cold storage ownership of significant assets to protect against theft Good enough start ? I’ll let others add more. If the SEC would follow Japan’s lead the fraud would be reduced significantly. And as a point of reference the amount of fraud in bulletin board stocks rivals that of today’s crypto. The SEC will let you trade billions of shares of bankrupt companies that have announced they their shares will never have value. This is an institutional failure of the SEC, not a crypto issue. If the SEC has instituted audited collateral and segregation of funds requirements , we would not have seen FTX and others fail.