Ever since bitcoin entered into the public consciousness over the last few years, experts and observers have struggled to make sense of what the cryptocurrency would ultimately mean to the global financial system. The consensus so far, if there is one, is that it isn’t bitcoin itself that’s likely to leave a lasting mark on the financial sector, but that it will instead be the underlying technology that holds the real revolutionary potential. That technology, known as the blockchain , offers a distributed and trustless digital ledger system that is already turning up in new products in a wide array of industries. One of the most visible sectors that have already started to feel the effects of the blockchain is in SME finance, where a new generation of projects has been making waves by providing small business loans to companies that have been traditionally underserved. Now, however, the blockchain is showing up in the realm of personal finance as well, and we all be witnessi...