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Blockchain as a business application is in it’s infancy. Blockchains and DLTs have seen the most growth and adoption in the financial services industry. Blockchain technology establishes trust by creating a decentralized and distributed network that shares a common record of immutable transactions linked together with hash pointers. Transactions are verified on the network by miners, usually incentivized by a rewards or fee system using consensus algorithms such as proof-of-stake or proof-of work.