Ideally, Both.

The smart contracts, exchange, identity, and future banking systems are all viable for individuals to use and manage their own financial health / wealth.

Add the assets to it, and an ERP system that connects up to contracts, exchange, identity, and assets, and you have a system that can securely manage a business' transnational history, and facilitate the rapid production of reporting for various compliance and regulatory requires, and/or yearly shareholder reports.

Blockonomi did a pretty good write-up on us this morning. https://blockonomi.com/ao-blockchain-ico/