We get asked why a family finance app needs a blockchain at all. The honest answer: for the settlement speed and fees, mostly not — a competent backend could handle payments fine.
The real reason is enforcement. A rule enforced by a Soroban contract can’t be quietly changed by an engineer under pressure, bypassed by an admin panel, or overridden because a support ticket needed a favor. That property — code that even StellarNest can’t override — turns out to be the whole point.
Stellar happened to already have fast, cheap settlement and mature primitives for multi-sig and asset issuance, which made it the practical choice for building this on top of.
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