chapter 06 CHRONICLE OF A DISRUPTION FORETOLD: BLOCKCHAIN In addition to the predictive analysis and process automatization solutions, another FinTech group is exploring the distributed ledgers technologies (DLT) as the very well-known blockchain. For many people these technologies are building “another Internet above Internet”, changing the logic to store data by allowing autonomy in the digital information exchange processes. A lot of potential is beginning to glimpse in blockchain; “it is the technology that will change the world, but in the long run” (R.P. Saldanha Gama, manager of Cubo. Institutional conversation, March 28, 2018). Internet was designed to transfer information; we can send messages, documents, photographs or videos. Moreover, we can inform our interest in purchasing or offering a specific product or service. However, what we cannot directly do on the Internet is the closing of a commercial transaction, for that purpose we need a market marker backing the trustworthiness of the parties and liquidating and recording the trans- action. Nonetheless, a few years ago, the underlying technology of cryptocurrency bitcoin, emerged in the digital world as a new player promising to change everything: block- chain. Due to its novelty, blockchain is a sticky topic. It was invented in the context of digital coin bitcoin to perform transactions in a secure manner without needing any market marker. A TWO-WAY PATH 75