There are many cryptocurrencies that exist purely to be a coin that has masternodes and offer no purpose or utility beyond that. Please be very weary of these coins as they are Just Another Masternode(JAM) coin looking to ride the coming wave for PoS coins. The utility is the value add to the cryptocurrency space. The utility should aim to address a fundamental business problem or opportunity. This could be in verticals outside of cryptocurrencies or solve problems within crypto business operations today. The general rule of advice is that if you would not invest in a cryptocurrency without a masternode or staking option don't invest into one with that option.