Hive (crypto) has a savings platform has certainly worked for me since the increase in HBDs interest to 10%
Hive as a medium of exchange especially in developing countries is also something to consider. It isn't easy sending money across countries in Africa or the middle East for example. Hive is seamless and free in this regard. It certainly has value in the payment space. Maybe one where loans can be distributed to small holder farmers in poorer countries and then their work tracked for progress using Hive's photography Dapps.
This of course will have to be in collaboration with a community or agency for it to work though