OP
the banks and blockstream devs are working on it in the HYPERLEDGER project
where banks using hyperledger will have their own sidechains for each bank. and then from what i can see LN or some othr blockstream dev coded thing allowing hops between bitcoin to the hyperledger sidechains.
Yes I heard they are looking into creating their own blockchains.
But thats basically an organization-internal project. Not an open peer to peer banking system in the cloud. That's what I'd like to see. Similar to how Bitcoin is an open source peer to peer currency system. What I'm getting at is: bank accounts for people - but without the bank. And a more user friendly transaction system for Bitcoin and other digital currencies, as well as full transparency to fiat currencies. All in the one blockchain system if possible.