And this is probably coming, a few years from now. Because remember, Apple doesn't usually invent new products. It takes proven ones and then makes its own much nicer version.
Let other companies figure out the model. Let the industry figure out how to make it secure. Then Apple can integrate it with hardware and software in a way no other company can.
Right now we are still in very, very, very early days.
First Mover effect seems only relevant when goverment warrants are involved. Think radio licenses, medical patents, etc. Everywhere else, being a first mover doesnt seem to correlate like it should to success.
See social media, bitcoin, iOS App Store, blu-ray, Xbox live, and I’m sure more I can’t think of rn.