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Technology is mostly incremental. as “smart transactions” that take place without the need for a middleman. If you’ve ever secured a mortgage to buy a house, you know about escrow, a place the.

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Matt Levine is a Bloomberg Opinion columnist covering finance. He was an editor of Dealbreaker, an investment banker at Goldman Sachs, a mergers and acquisitions lawyer at Wachtell, Lipton, Rosen &.

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