I think it is just a matter of time that banks and or states start their own crypto currencies. I think Switzerland will have one early on.
check this pump and dump server I just started using.
https://discord.gg/ZSGV7Ws
the lame part is that you need to promote it in oder to rly have a benefit from using it. or you need insanely fast fingers^^
edit: ontopic i digital currency that does not use any kind of blockchain tech seems risky imo-.-