The Aligning: From Traditional Banking to Blockchain Technology


The Basics

What is Banking?

Clearing and Settlements

Wealth Creation

What Are Digital Ledger Technology and Blockchain?

Photo by Scott Graham on Unsplash


Photo by Shubham Dhage on Unsplash

Challenges of the Traditional Banking Model

Currency Devaluation to Zero

Currency Pairing, Foreign Denominated Assets and International Commodities Pricing

Money Is Not Currency

Good Money vs Bad Money

World Wars and Trade Wars

Quantitative Easing (QE)

Diagram from
Diagram from

Uninsured QE Distribution

Abnormally Low Central Bank Interest Rates

Technological Impact on Product Innovation

The Decline of Traditional Banking

Faster Payments, P2P Mobile Transactions, Digitalisation and Contactless Payments

Trade Optimisation Among Bloc Nations (SEPA, PSD1, PSD2, Open Banking, etc)

Increased Operational Costs

The Aligning

Transaction Fees vs Customer Interest Payments

Revamping National Clearing House Infrastructures


The Depository Trust and Clearing Corporation

Consortium-Led Financial Grade Blockchain Solutions

Creating National Central Bank Digital Currencies (CBDCs)

Circumventing US and NATO Monetary Restrictions

Internet Currency Domination

Decentralised Finance (DeFi)

DeFi 1.0

DeFi 2.0