UX can come from clever apps, but someone has got to make the apps first. Bitcoin has been around for years, and nobody has really improved its UX, so I have to wonder what would make Monero different. No cryptocurrency really has it down yet, but from the information available, Dash is going to be the first.

Bitcoin has stability for now, but if that's its feature, then any currency which overtakes its market cap is going to displace it. It doesn't need to be fast to work for a clearing house, but a currency which is fast is obviously superior.

Dash does have privacy though. You can make transactions private with Dash, and you can make public ones too.