I read the comment as 1% that you have to look info it to tell that it’s snake oil.

Monero has value if your threat model includes people who can legally compel banks to give up your information. Cryptos allow for bypassing state sanctions.

Smart contracts are a decentralized alternative to escrow services and maybe allow for the conducting of business without relying on the threat of state violence, provided your use case is something where completion can be determined automatically by a machine (or theirs infrastructure that accommodates for that, but then essentially you’ve just recreated escrow with extra stemps).