Byteball
Developers that create apps have instant access to all users on the Byteball platform via the in-wallet Bot Store.
The Bot Store is a bit like the Apple App Store or Google Play Store, except you don't need to compete with thousands of other apps....yet!
As an added bonus, Byteball is much easier to develop for than other crypto platforms.
Buy insurance from peers to get paid in case a negative event occurs. Sell insurance for profit.
Insurance is just a simple smart contract that can be unlocked by the insured — if the event in question did occur, or by the insurer — otherwise.
To insure against flight delay, find your counterpart in #p2p_insurance channel on our Slack, create a contract, and if your flight arrives late, chat with flight delays oracle to have it post the data about the delay, then unlock the contract.