You Blockchain seems to be interesting, but the web wallet is not decentralized as the Blockchain is said to be, because when one use the website to create an account and generate a depositing address, ones ojx coin is deposited to the address it automatically move the coin from that wallet to the dashboard account and this is done only by centralized platforms where both users and the platform have right over the assets.
I think your proposed web 5 should be improve in making things more decentralized, I like a situation where am fully in control and responsible for my own funds.