Correct, but to replace the banking system we also need to replace the value that it has in the current scheme of things. All, those assets have to be digitized, to cut it short we still have some major work to do, before the adoption of blockchain becomes more mainstream than it already is.
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Certainly we have a lot of work to do. Right now we are in need of a lot more infrastructure upon which the applications can be built.
Fortunately the foundation is in place.
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