What is so revolutionary about blockchain? Why the fuzz about it? Why are investors and banks are putting millions and millions of dollars into cryptocurrencies and the technology? If you understand what blockchain is about, you will understand this is really a major innovation breakthrough in the uncreative, conservative banking industry. Blockchain will change the world of finance, because it brings one dream come true - this dream is the best dream to startup fintech companies, and it can be the worst nightmare for banks. This dream is called "decentralization & democratization of money".