The scope of this paper is to examine the complications raised by technical innovations in the financial field (fintech). The conclusion of this enquire is that the current institutional architecture cannot guarantee monetary and financial sustainability as long as Governments decide to reform it using the already available instruments (cryptocurrency, blockchain, algorithms) instead of leaving them free to operate or limiting their use as they are doing. The same goes for any tentative to restate bank credibility forecasting money and financial instability starting from big data treated with traditional econometric methods.