Blockchain and cryptocurrencies, other applications. The technology from blockchain and the experience from cryptocurrencies has the finance world thinking of decentralizing not only the central authority in the form of central banks, but also the finance functions general. The wider applications may include replacing banks, insurance companies, and mortgage companies using smart contracts and blockchains. For example, a typical mortgage transaction will involve not only the buyer and the seller where ownership that is who has a claim to the property historically and currently. Is it the spouse, the parents, the siblings, et cetera, needs to be verified as well as their respective banks. In addition, the bank generating the mortgage will be receiving payments in the future from the buyer via a paying bank. Furthermore, the mortgage loan may be sold to investment entities who may only be entitled to monthly interest and or principal payments. All the transactions and records of information blocks of course, need to be verified and added to a chain. Transactions can of course be more efficiently and conveniently executed with smart contracts and settled with crypto coins.