BREAKING NEWS: I work at a large bank (one of the top 5) and received an internal email: we are investing in the blockchain technologies, this is super exciting for crypto investors. In the internal email I received today we will be a part of this into the future. It is something they have been experimenting on for the last two years but they just pulled the trigger and basically some of you probably already have already learned, yes-some of the big, capital heavy banks , are on board. They estimate this to save 100s of billions of dollars in fixing ineffiencies and in turn, to better serve customers. Checks bouncing may soon be a thing of the past. It is possible that the banks may be able to look up if your check is valid from a DIFFERENT bank, yes another bank using blockchain technologies. R3 is not out yet, but that'll be the one to grab, that and the technologies behind it (e.g. expanse, etherium and ripple) as I stated, avoiding a bounced check as an example of an inefficiency of the past among many others. Cryto investing has never been so exciting!