The company’s vision is to put trust back into banking by Building Tomorrow’s Bank; Today. Conflicting views on bank reform have been debated throughout financial history, especially after prolonged periods of crisis. Since the 2010 Dodd-Frank Wall Street Reform Act near-zero interest rates continue to prod institutional investors, market traders and international investment bankers to proceed with business as usual, employing high-risk investments and careless credit expansion similar to the period before 2008. Crypto and blockchain introduce added complexity, increasing systemic risk if unchecked, but also show potential applications in reforming global governance, intermediation in digital economies, and improving capital markets.