The mathematical and technical nature of blockchain makes it hard to understand it for end users. Most people don't understand how to transfer money on the blockchain, the hashes, addresses can look scary to some users.
So we build a platform with clean UI where the users don't have to worry about blockchains or technical aspects of it. They can transfer money like PayTM, PhonePe over the blockchain without addresses.
Getting test ERC-20 tokens for testing consumed most of our time. We deployed our own test contract to get tokens.