[stackzero]

> Digital currency can only be the #1 use case if we find a generic, uniform way to pull in real-time real-world data of which we can verify its confidentiality, integrity and availability.

I'm not sure I understand your point here

> Do you think fintech/banks can work use public ledgers?

The only reason they'd want a public ledger is for transparency with end users. This isn't high on their priority list but more importantly there's too much at stake to leave the protocol up to anonymous public participants.

Consortium chains make a lot of sense in these private B2B transfers. Which is the goal of something like Stellar as the only incentive to run a node is to keep the ledger/service lively. It is also a better engineering tradeoff to have a dedicated chain to process Txs only you care about and not have it degrade from cryptokitties. Lots of blockchain projects are moving to this parachain model. E.g. substrate, tendermint, plasma protocol