A single counter-example is Uniswap. I can swap one currency or token into any other currency or token, in seconds, with a very modest fee of 30 basis points. And I can do this anytime, 24/7. Fiat-denominated, bitcoin, altcoin, whatever. I don't have to pick up the phone and talk to anyone, don't have to worry about my money being locked up for days while it gets cleared by the ACH process.
Another example is Aave, or Compound. I can take fiat-denominated crypto or bitcoin/ethereum/etc and Lend it in return for a modest interest rate. I can also borrow up to 80% of my collateral in fiat-denominated or other cryptocurrency and leverage that in a trading market. Again, I don't have to talk to anyone or get permission to do so. And I can borrow/lend indefinitely, and withdraw whenever I'd like.
It's alright if this is not valuable to you or your clients. But to say this is not a valuable and novel application is demonstrably false, as > $50 Billion in value is currently held in these applications.