can't there be decentralized off chain smart contract? can't you have smart contracts in anyway with raiblocks?
after all a cryptocurrency is nothing but a distributed ledger of numbers, what the competition should be about is which ledger is the most efficient and secure. i consider a smart contract an add on/feature, something that is designed to make cryptocurrencies more usable, but isn't it better for mainstream adoption and the future of a currency that these things don't go hand in hand?
If I'm not mistaken there is a recent ICO who offers this kind of technology. Can you check UTRUST(UTK). I think as part of their system design and block chain technology is to offer smart contracts for banking transactions. Please dont take my word for it but you can still do your own research.
