Regulating Blockchain: Techno-Social and Legal ChallengesLess than a decade after the Financial Crisis, we are witnessing the fast emergence of a new financial order driven by three different, yet interconnected, dynamics: first, the rapid application of technology such as big data, machine learning, and distributed computing to banking, lending, and investing, in particular with the emergence of virtual currencies and digital finance; second, a disintermediation fuelled by the rise of peer to peer lending