5. Concluding Questions R3's history gives rise to interesting questions. Designed from the ground up as a distributed ledger platform to record, manage and synchronise financial agreements between regulated financial institutions, R3 spearheaded the third wave of blockchain platforms targeting these critical shortcomings other blockchain platform. As the company had specifically developed Corda as a blockchain platform to provide an enterprise-level DLT to financial institutions, its features solved some of the inconsistencies of other blockchain platforms in meeting the demands of the finance industry. Since fintech seeks to seamlessly merge tech-oriented innovations with finance, it needs to give more weight the latter: What are the most important institutional features of the financial services industry? Are these features consistent with recent developments in blockchain-type of fintech? Could Corda improve consistency? Could such innovations help emerging markets to develop their financial institutions