Stellar is an open-source, distributed payments infrastructure. It is a leapfrog technology that connects people, payment systems, and banks with a focus on the developing world. It lets you facilitate multi-currency and asset transactions quickly, reliably, and for a fraction of a penny by using a crypto-asset called Lumens (XLM) as a bridge.See full review

Normal people don't care about Block-chain this, Merle tree that. Two decimals makes us more usable for minorities, and means less supply at the end of the day. We'll also hit our end-of-mining supply faster. The mining mobile app gives people a real stake in using this monetary system immediately. And I think traditional mining will always be easier/better than people worried people will emulate mobile miners.See full review