Well, I personally know a lot of networks that offer Smart Contract. The Tezos network has also made this possible. The most popular network you are probably familiar with in this area is the ERC20 network, or Ethereum.
According to the information I found from this network, this network is decentralized like all Crypto currencies, but the difference is that decisions are made based on public decisions.
Regarding the XTZ price analysis, this currency is currently in a negative divergence in my opinion, which I have shown in the picture below. In my opinion, it does not have a good price for investment at the moment. Specified chart related to daily time and pair with bitcoin.
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