if you think they crypto will replace banks, you don't understand what banks are and how they work banks are credit institutions. it doesn't matter if they process transactions in COBOL, Bitcoin or Solidity DLTs can and will save on costs, but that will also open opportunities for banks to expand further it's not about the underlying technology - the credit can be issued on-chain via tokens, but there will still be heavy regulations and authorization requirements DLTs/blockchains won't magically replace banks