What three core utilities did first principles thinking break down our current banking system to$?$

Question $19$ options:

$1)$

Tokenization, a value center, a$.$t$.$m$.$locations.

$2)$

Ethical standards, branch location, e$-$signature security.

$3)$

A value store, money movement, access to credit.

$4)$

Overnight loans, security, value store.

$5)$

Bill pay capabilities, legacy, security.