Chapter 5 of "Bank 4.0" focuses on Distributed Ledger Technology (DLT), blockchain, alt-currencies, and distributed ecosystems. It discusses how emerging digital currencies, such as Bitcoin, are gaining traction and highlights the structural implications of DLT for the banking industry. The chapter explores the transformative potential of blockchain technology in reshaping financial services by enhancing transparency, security, and efficiency in transactions. It emphasizes that the increasing use of alternative currencies and decentralized financial systems signals a significant shift in how value is exchanged and managed, challenging traditional banking models and practices.