Correctly said by you, any cryptocurrency that has a vision to A. Stick around and B. Be adopted by the masses it would have to take advantage of the "mobile money". In South Africa, in fact, the world in general, people use their mobiles (Smartphones) more than they use laptops and computers now. So having a cryptocurrency that is "mobile money" friendly already puts that that coin/token on the map. I know that's what Electroneum is trying to do and a few more projects I've been coming across recently.
This concept and opportunity is huge and the first one to really hit the nail on the head will rip the rewards tremendously.
As far as a dollar peg coin, I had hopes in USD Tether but I don't know what's happening there now. SBD does not look promising now either. So you know, yet again there exists an opportunity, a gap to be explored and exploited.