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The distributed ledger technology is efficient in eliminating central points of failure. Banks and governments have exclusive control of the monetary mass and the creation of fiat. Governments have also the sole discretion over the use of its legal tender. Gold and silver are self-sovereign and not subject to a single jurisdiction.
Records in the blockchain are public and immutable. The cryptographic nature of distributed ledgers ensures an unchangeable audit trail of previous transactions by creating an incorruptible and transparent single source of data.
Smart contract technology are a series of predefined conditions in the form of electronic contracts written in code. This allows to eliminate human error when executing a contract. Participating parties agree on the code and the code will execute its function when the appropriate conditions are met.