Done reading, thoughts as below

Simple concept, singular mechanism with one protocol which all collectively challenges power calculation and efficiency since multiple duplications are required in process which could be significantly incremental depending on quantity.

Would it be theoretically possible to have two protocols in one mechanism framework? So that to integrate Fintechs with Banks while saving cost for either side at the same time in a comparatively short period of delivery phase for the whole system construction.

The integration initiative aims to set technical trust and transparency, in which no one can fabricate or falsify any process, paving the path for Feds have numbers book in mind with clear map presented to check at any time.

Could be wrong, am a tech idiot!