Sorry for the slow reply - just noticed this post. I think DAH has got an amazing and rock-solid team....but I just don't know how much of an improvement the blockchain will be over existing settlement infrastructure. Goldman Sachs estimated that it could save banks about $11-12BN per year - which seems huge, but given the size of the banking industry it just seems like a rounding error. The intellectual capital that is being poured into blockchains is incredible - which obviously lends some credibility to the technology.
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Thanks for your feedback - I'm sure we all will have more of an insight into this in the coming months/years. I think the blockchain technology has many more consequences beyond instant payments (where settlements are not necessary anymore ;-) - we shall see...