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You make some good points. As digital money and distributed ledger systems add value to financial services, there are risks and prospects for creating safe and effective exchange platforms. On the one hand, innovation has the ability here to extend credit provision or to make it more transparent. I would however like to note that there is still uncertainty with regards to the volatility of the product, security, regulation etc. Last but not least, they should be about enabling users, avoiding and managing risks, and creating incentivist and sustainable business models. This needs good planning, ownership, and synergy between the innovators, policy makers, and the practitioners of the technology. It is true that these technologies can bring about positive change in the financial system if the exercise is done properly. It is a vast field indeed; some issues remain absolutely obscure and a lot of questions unanswered. Moderation in these accounts is therefore strongly recommended.
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