you should check minexcoin. their minexbank is working fine and actually being used by their investors and hodlers. and also if you are a holder of the coin you earn revenue for their own omnigames shares.
The business model of Minex is not clear. There were pretty clear scam accusations against Minex at some point. I didn't follow the subject closely in the last weeks, but I'd recommend caution with them.
I don't know what OP actually wants. Ethereum, Waves and others are platforms for tokens and dApps. See crypto kitties - an example of software used.
However, crypto coins are meant to be means of payment. You can pay with Bitcoin here and there, possibly Litecoin, Dogecoin, Ethereum, Monero and Dash. The casino from my signature accepts 19 crypto coins!
But the full wallets need sync, in some cases pretty long. However, this is solved too, by using SPV wallets. You know, you don't need all the servers from a bank to use your card when paying for groceries...
