FWIW I do actually think that many of the things banks do will be better suited to a blockchain (or some other merkle tree like structure). The immutability makes sense. You wouldn't replace git with a postgres database.
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That's not a feature of blockchains, that's a feature of replicated append-only ledgers (which far predate blockchains). The point of a blockchain is trustless consensus, and almost nobody actually needs that - certainly not centralized companies.
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This is the best-case outcome, frankly.
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Not all experiments or movements have to succeed to produce change.
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I think our banks are generally pretty good, but holy cow there’s a gaping hole with data exchange. I wouldn’t kill for it (yet), but read only api access to my accounts and transactions would make me cry tears of joy.
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