#1 Otis
This one is seemingly a guarantee, with the way WWE has booked things so far. As Mr. Money in the Bank, Otis is technically the top contender for the Universal Championship. However, it is extremely unlikely that he cashes in successfully to become the World Champion on SmackDown.
Despite that, you can never rule it out as long as he has the briefcase with him. Nobody thought that Otis would even win Money in the Bank in the first place.
Other ways the briefcase could be used include, him losing it to somebody, presumably AJ Styles or Baron Corbin, who were both on top of the ladder before Otis caught it. Mandy Rose's boyfriend could even cash it in for the SmackDown Tag Team Championship, alongside Tucker, who has been absent from WWE TV for a while.
Either way, whether Heavy Machinery lives on or falls apart, expect Otis to hold a Championship by the end of the year. He has garnered an incredible amount of momentum and is set to become WWE's next major star.
This is something nobody would have predicted at the start of 2020.