A system that is so decentralised and without and interfering system to barrier transaction in the name of a bank or other financial institutions. Over the years, there has been problems transacting with the conventional banking industry, through e-commerce, Western Union money transfer, local and international banks in conjunction with world Bank and central banks of different countries. The decentralized blockchain system has made transaction so easy that even at the comfort of your home money and other digital currencies could be transferred to people in different countries of the world. As Blockchain.io grows, it will add more functionalities such as margin trading, proprietary lending, and peer-to-peer lending. The decentralized cross-chain settlement will be based on cross-chain atomic swaps, i.e. cryptographic protocols that allow users to settle transactions across heterogeneous blockchain networks without trusted third-party and without counterparty risk. This will represent a big departure from traditional markets and a major step toward the Internet of Value.