ZK‑collateral cross‑chain lending

ERC‑4337 smart‑account wallets with biometric recovery

Gig‑economy payroll via DeFi

Decentralized GPU training marketplaces

DAO arbitration courts

Web3 social graphs with portable reputation scores

On‑chain micro‑pension savings plans

Decentralized storage‑staking for AI model checkpoints

Validator downtime insurance via restaking

Real‑time payroll streaming protocols