Banking through Blocktrades. Being able to deposit FIAT to Blocktrades Exchange from a bank account. Account in my case would be Ireland.

I've actually been working on developing a Euro-based emoney business of this type for a couple of years now (although it is a different company than BlockTrades for domicile and regulatory requirements, and BlockTrades will be one of its customers).

The software for the site is in alpha test right now, with all its current customers being just employees and related companies like BlockTrades, but I plan to open it up to Hive users who want Euro accounts connected to SEPA system within the first half of this year at the latest, and hopefully by the end of Q1.

DHF seems to be central to development right now. Alternative means of support for such things is something I feel strongly should be looked at.

Easier development of layer 2 apps and support for layer 2 tokens can serve as an alternative source for development funding. Splinterlands, for example, never raised money via the DHF.

I'm trying to create an environment with HAF and the follow-up smart contract processing engine where it is easier to reproduce that kind of development model: a model where apps are incentivized to be developed for future rewards from their operation and where these apps provide most of the functionality that Hive users are looking for.