The Finad (FTC Team) development team believes in modularity. This means that Finad as the base layer should remain fairly unchanging. New protocol developments are debated at length by team members and are slow to be implemented in order to prevent fatal issues from occurring. New protocols and functionality such as tokens, smart contracts and high speed low cost transaction processing can then be added as independent layers.
Rather than developing these additional improved features and technologies directly into the blockchain protocol itself, instead they are built as separate layers that exist on top of the base layer blockchain. In the long run, this modularity will make Finad more secure and easier for developers to build upon.
This slow changing, ultra secure base layer blockchain is the ultimate foundation upon which any number of additional layers can be built. Anyone is free to build anything on top of Finad that is as risky or complex as they can conceive. And if their conception is flawed, Finad does not need to fall with it. The failure of any layers on top of Finad will have no impact on the base layer blockchain.