This is a great topic for a discussion. I am non technical and don’t know enough about the various implementations you‘ve listed but I did read 2/3 of the Civ Kit paper and gave up because it seemed overly complicated and like it was just buzzwords. But I don’t know if that’s just because I’m not a dev? Maybe it makes more sense if you are technical. It sounded like an overly complicated RoboSats mashup with Nostr.
The bit were it lost me was where it started to talk about DIDs and where it talks about the potential for a board to be a central point of failure (so federation could be a solution). Don’t know, but definitely got me appreciating the pure p2p nature of Bisq more.
I’m also aware that the first posts on forums in response to bitcoin were highly sceptical so I can see the irony of this post.
Overall though, I’m very glad there’s a lot of attention and effort going into this problem because we absolutely need way more successful alternatives. Bisq is great but it’s not mobile first and it’s really a marketplace for bitcoin.
I’m really keen to watch the various implementations compete over the next few years