I have a different conceptual roadmap. What's more feasible and even more desirable is to push the frontier in the direction of a complete re-imagination of money and banking system. To do that we need a careful examination of all the functions that banking system have advanced since the birth of the modern banking system and to see How a decentralized framework can better them in efficiency and transparency. These are the works I have been doing (conceptualization) and imo that would make NEM distinct from all other competitors and projects. I can't go into more details but here are some areas that I hope NEM would pioneer: re-imagining personal loan, re-imagining FICO, re-imagining social lending etc.