I would like to share with you some ideas.
The Pundi X purpose is to easy the purchase of a bottle of water with cryptos and reaching a real crypto adoption. From my point of view, the following points should help to it:
Have the possibility of paying with decentralized XPAS in whatever POS (as we can do with crypto.com CRO card), not only in POS with XPOS software; and using the token balance from FX wallet, in a decentralized way.
Simplify the sending of cryptos (nickname):
Currently, we can send FIAT between standard bank accounts without using the IBAN number but using the mobile number like with Bizum or Revolut alternatives.
It should be needed to have a similar simplification with FX wallet. Instead of sending a token to a wallet address, have the posibility to send tokens to the FX wallet nickname (@name). An user could send one token to other user only selecting the user nickname and the FX wallet automatically select the correct wallet address in the correct blockchain. In fact, we perform something similar with the delegation. We select validator name, no the wallet at which we are going to delegate.
Simplify the sending of cryptos (swapping):
P2P transactions where one user decides which token wants to send and the other user decides which token wants to receive, also with FIAT. Swap between tokens is performed in a transparent way for users, also between different blockchains. It is a very interesting idea to implement in FX wallet.
KASTA project presents solutions like those described in bullets 2 and 3. Please, check KASTA project because some of their proposed solutions should be very interesting for FX wallet.
In the end, the simplification in the usability for non-experienced users will help to crypto adoption. Not all users are interested on Blockchain technology bases but only wants to use it in the easiest way.