In the 15th century, the Medici family led the development of modern banking. Banking was slow, brick-and-mortar operations, costly, and required a high level of trust. Over time, the cost of accessing financial services has dropped dramatically. With blockchain technology, we clearly see the promise of round-the-clock, global, zero-cost banking. No matter how advanced the financial infrastructure becomes, the need for banking will always be there. Banking-as-a-Service (BaaS) emerged because ...