

Why can’t we just use banking websites? You don’t need an app ecosystem for that. They just need to build a responsive website that will work on a computer or phone. If you have bank to bank transfer (like e-transfer in Canada) that can be done from the mobile website as well.
Payment like NFC payment is a different story. I suspect its unlikely we ever see that.
Very coincidental that you just posted this. I’ve been looking into p2p apps and Nostr caught my attention. Unfortunately like most p2p stuff it seems that most people using it are crypto affliated which is a big turn off.
The more I looked at it though nostr didn’t seem that interesting to me as a protocol compared to other p2p protocols like ipfs, Yggdrasil, i2p. Manly because it still seems to centralize around relays and the effectively ended up being your server. From my understanding its easier to move from relay to another since you can publish to multiple relays and your identify is just a key pair so your ID is “portable”. The big thing I see from Nostr is a priority to build apps on top of their protocol, compared to the other p2p protocols.
I think it would be neat if there was a non crypto affiliated social media platform built on top of a p2p protocol that did the following
These are the things that would make p2p social media more interesting to me than activitypub. Sadly as far as I can tell Nostr isn’t really this, and I’m pretty sure none of the other protocols I mentioned have build an app like this on top of them.