The boats are still there.
Elix - P2p lending. Just do your research and check how much money the humanity spend in lending and then imaging apply this to cryto world. This project is huge imo.
I also think that lending will play a big part in the future when it comes to cryptocurrency. That's why I have invested in Ethlend (Lend). Your coins serve as collateral, which inmho will appeal to the masses, since you can get credit almost instantly without having to sell your portfolio.
Which is more appealing than selling your coins in order to give yourself a credit (with the money you got from selling your coins). Here you keep your account intact, which serves as some kind of psychological pressure to pay off your credit on time every month.
If you sell your coins you spend the money, the money is gone and there is not enough pressure to put a certain amount of money away in order to buy another coin portfolio in the future.