After a successful implementation of SMTs, i would like to see a fiat exchange for steem. Steem is extremely well positionned as a "gateway drug" for crypto, because users who might know nothing about cryptocurrencies suddenly earn steem by posting. 

They might easily consider investing, or buying more steem to gain influence, but then they would have to go through the hole process of signing up to coinbase, buying bitcoin, transfering to an exchange, converting to steem, transfering to steemit wallet, and finally power up. They will even have to understand what are cryptos, bitcoin etc... This can be very discouraging.