All of the cryptocurrencies have one thing in common the blockchain.
The blockchain has the ability to change the way accounting is handled and it would basically eliminate the need for banks when paying bills or buying stuff.
But the money Bitcoin is still just ones and zeros. The difference between it and digital dollars is everyone who is using Bitcoins or Etheriums or Ubiqs etc is keeping the books. THAT is the part everyone glosses over.
Forget about the money part... if the blockchain gets adopted by a recognized currency like the US Dollar it will be a paradigm shift bigger than digital technology and the internet combined.
That being said there is nothing magical about Bitcoins or any other cryptocurrency.
Its already happening. IBM is jumping in with both feet.
In the next year you will see how this will change how contracts and transactions are executed.