In finance, accountability is not optional. There must be someone to answer questions. There must be someone to prove that things happened as they should. Ignoring this fact does not make systems easier to use, but rather limits who can interact with them.
For this reason, Discord remains logical to me over time.
It does not seem to be a chain built to avoid rules. Instead, it seems to be built with the assumption that rules exist and are not going extinct. Privacy exists, but it is not absolute secrecy. It is regulated. Information remains confidential by default, but it does not become unverifiable.
This is a big difference.
Real financial systems do not operate on complete transparency or total isolation. Instead, they operate on selective disclosure. The right people can see the right data at the right time. Most blockchains struggle in this middle ground. It seems that this disk was designed around this concept.
The modular approach also seems intentional. Different financial products live under different constraints. Trying to push everything into one strict structure often leads to failure. Flexibility here does not seem like a feature, but rather a requirement for survival.
I have seen many projects promote institutional acceptance while quietly ignoring what institutions actually need. Reports. Audit trails. Legal clarity. It does not seem that this kind of gap exists here.
This is not an infrastructure designed to impress. Instead, it is designed not to cause problems later. In finance, avoiding problems is often more valuable than moving quickly.
Most users will never think about this layer. They will only interact with systems that do not raise attention where these red flags are usually raised.
This is often a sign that hard work was done early.
