Well, to be honest, if digital money is created in the world, that is, the USD is put with Blokchain technology as China intends to do it, it is a way in which banks would begin to be displaced, because people they would like to have full control of their money without going through third-party permits, in this case only a wallet would be used and they could make the money movements that the person wants, that way if we could think about living without banks.