When federal marshals transferred millions of dollars in Silk Road bitcoins in early 2015, they highlighted Bitcoin's power and weakness. The power was to transfer millions in assets quickly, securely and cheaply over a digital connection with no paperwork to sign. This was seminal in Bitcoin's development as a fintech tool of potential mass disruption... but it also showed its weakness in a very public way--a public ledger of transaction.
Enter Monero, Monero takes care of this gaff in TMI by allowing for the same level of quick, cheap and secure asset management without the needless burden of having contracts fulfilled within the eye sight of competitors or new's agencies.
Monero achieves this nifty trick with the use of ring-signatures. Without getting into the hard math that allows for this innovation, ring-signatures feign multiple outputs and leave the viewer to guess which ones are real. The correct ones are also made available for auditing (by staff, tax agencies or contract holders) by a view-key, this combination of ring-signiture magic and view key auditability introduces privacy and compliance into a digital world that is sadly lacking in solutions that expedite business rather than impede it with security substructures which lack efficiency and burden payment processors ill-equipped to deal with targeted breeches in asset transference infrastructure--it's more a matter of the tools than of will, as most security experts will gravitate toward the solution that allows them to do their job best and with the least expenditure of time and resources. The rational actor will always use simpler methods when they are available, rather than convolute the matter with messy solutions that address part of the problem--the simplest solution always trumps in matters of efficiency and cost allocation.
The future is bright for technologies that offer us the means to move money quickly and efficiently, and for Monero, the ability to move that money discreetly, and stay compliant with local regulations, makes a strong case for its future as one of the elite tools in the battle for fintech superiority.