Which problems need solving for widespread crypto use?

[tightcoat490]

As of today, cryptocurrencies are still mostly seen as investments for technologically competent risk-takers rather than actual currencies for the layman.

Which current and upcoming ICO's are solving the problems of:

1. Widespread crypto usability for the average Joe
2. Unparalleled security

Thoughts? Something else to add to the list?

Promising upcoming project you think is finally up to the task?