I'm not seeing disruption, but maybe a one stop shop that earns it's place that way.I can use iMessage to send and receive money on my iPhone. Last I checked it cost nothing. Sold a Tesla that way in 2018. Got tens of thousands of $ by iMessage. If it's "ripe for disruption" I think it already happened.
Twitter style comments, long form publishing of articles Seeking Alpha or Quroa style, P2P payments, patreon style funding of content creators, Youtube style video hosting etc.