I was personally very happy to see in 2018 the development of the blockchain agenda. For example, what started as a joint venture between IBM and Maersk, seems to recently have made its pace towards a more organized approach to tackle the trade digitization agenda with Tradelens, which announced in August that they had 94 companies in its early adopters program [1] . Check out BitPesa, Trustchain… in other words, the market slowly but surely has been able to pass the techno hype phase and is considering the first real life value-add examples. Taking a step back from the last 3,5 years of #SWIFTgpi I think the same can be said about cross-border payments: for long anchored in its traditional ways, after years of both hype (blockchain), and innovative closed loop solutions (e.g. Transferwise) plus the ongoing threat from retail market innovation and GAFAs entering the banking market, the correspondent banking community came to a point where something had to be done. Here, ever...