You are going to be hearing a lot about this – it is the Fintech wave of the future. What has been needed for instant, secure transactions is a method for having a shared reliable database for the exchange of assets. Big banks are playing with private blockchains that are more transparent and require permission, authentication and identity verification. So the original concept of Bitcoin may not have survived – but the underlying concept of a public database of transactions is a great development. Imagine having safe, verified transactions with your bank or broker instantly. Maybe it won’t be in 2016 – but it is coming.