Foundational Characteristics
User experience abstracts away technical complexity
Accessible without blockchain knowledge or crypto literacy
Everyday utility: payments, identity, remittances, savings
Blockchain invisibility — technology disappears behind UX
Low barrier to entry — cost, device, connectivity
Key Signals
Non-crypto-native user adoption metrics
Mobile-first deployment in emerging markets
Integration with existing consumer apps and platforms
Remittance volume replacing legacy wire services
Merchant adoption of blockchain-powered payments
Example Assets
Stellar — remittance apps for unbanked populations
World Mobile — Africa mobile connectivity
Cronos — Visa rails, consumer payments