I think the biggest growth will be with semi-custodial solutions where the user doesn't need to run a full node themselves, but also don't give up control entirely. There are many companies building different setups (ex. Breeze wallet) and I think some of them will be breakout successes. But all this relies on plebs running routing nodes to keep the network strong and decentralised. I welcome the Krakens and. Bitfinexes but we should not rely on them entirely.