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Blockchain is predicted to disrupt industries, economies, and societies. The properties of distributed ledgers allow the creation of immutable data structures that facilitate shared access in real time and enable a plethora of innovative applications. However, blockchain is not a uniform technology but rather a bundle of evolving components whose implications are notoriously hard to predict. At present, it is not clear how current trends will evolve, with technical evolution, legislation, anddoi:10.3390/fi13070183 fatcat:2bdtjmj7avhe5p2kh2am3cj4ze