I like Steem a lot, though I'd say it's not really ideal as a payment platform at the moment. The way it's structured, it could be difficult to have a wallet app for it that's secure... maybe though.

In terms of user experience, I'd say Steem has the best in the market by now. Even just having usernames instead of crazy long addresses makes a huge difference. Even so, it has a long way to go. Generally, people just won't accept the idea of "yeah, if you lose your keys/password, that's the end."