There's a 3rd reason for that patent that everyone misses...it's called a pinch, and is probably the most important of the 3.

Assume that our patent ISN'T granted.

Later some bank, or corporation, files a patent that infringes on our tech, and it DOES get granted.  It happens, maybe they worded something slightly differently, had better lawyers due to more money, etc

Then they decide "Hey, lets go sue those Radix guys and destroy the business they have built, cus, y'know, we own their tech now!"

So they come along with a law suit and they have us dead to rights...

But they don't, we can show our patent submission and it's refusal.  So if we really are infringing on their patent, then our patent should have been granted as it has an earlier date and theirs should have been refused.

Law suit dismissed!

With so many banks and corps filling patents and getting them granted, with tech that is arguably public domain in some cases, it made total sense as a defense.

I don't know why so many people have an issue with the patent, it's clearly defensive and allows us to monetise the tech to continue development long term from private licenses, regardless of the open source status for public, non-profit deployments.