This presentation discusses the issues with having a multi-coin wallet and auditing multiple blockchains. It introduces the concept of a multi-chain multi-coin hypothesis to address having different coins optimized for various purposes like payments, storage of value, apps, or asics resistance. The presentation proposes that the way forward is a layered approach, where different layers can optimize for performance, security, and decentralization to resolve the impossible triangle between these factors. Layers may include specialized networks for transactions, settlements, and auditing to improve scalability and security across multiple blockchains.