Active dinner party chat about this last night at chez Jones!! People seem to be twigging that the bitcoin rails (block chain) could be, as one of our founders, Greg Schvey, pointed out at a recent FinTech Collective event, be used to disrupt the way title is exchanged, stocks and bonds are traded and digital media assets are transferred.. Why should it take T+1, T+2 or T+3 to settle a trade?