Brother! You are more and more sharpened in relation to the world of finance and decentralization offered by the blockchain and the STO.

You're a blade (estas hojilla), as we would say here :D

There are already some financial institutions that are using XRP to speed up transactions, as I have read. A hybrid between these technologies and conventional finance will probably be created in order to survive the new trends.

Btw, happy new year to you and your family 😊