That pressure and competition is great for everyone. I imagine banks will be able to match up with some of the advantages that digital currency brings to the table as well as adopt other non-fiat digital currencies to keep a larger market share and combine the advantages where possible. Being able to manage your own funds is a great option but factors like speed, convenience, protection, trust, cost and value will be more important to the majority of users. Our vision is that the user will be able to decide how to manage their funds best and the level of risk and protection that is best for some or all of their funds.