Blockchain-based solutions remain highly immature. The technology itself is nascent, and nobody has yet developed the governance models that form the foundation for a functioning ecosystem. Nevertheless, many bank executives show a degree of enthusiasm that leads to inflated expectations and high investments that may not create sufficient value. This report helps application development and delivery (AD&D) professionals to determine the risk and the time to value of blockchain use cases and provides guidance on whether an organization should embark on its blockchain journey now.