Jill Carlson, a US-based cryptocurrency consultant at Juno LLC, recently noted that Bitcoin and Ethereum helped to “catalyze excitement for crypto” while also making industry participants think more about concepts related to “sound money”, “open finance”, and “Web 3.0.” These three concepts, according to Carlson, “share the same ethos of disintermediation.” While they have shown potential to be useful, they are in their early stages of development and may not achieve mass adoption.