"We'll see the same kind of Cambrian explosion we witnessed in the web world once we started using mutualized infrastructure in public clouds and frameworks. It took only three weeks to learn enough Ruby on Rails and Heroku to push out the first version of a management system for that brokerage. And that's because I had to think only about the models, the views, and the controllers. The hardest part, of course, had to do with building a secure wallet."